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Bankruptcy


Chapter 7 Bankruptcy

Going through a bankruptcy can be incredibly challenging, both emotionally and financially. At Wayne Young Law, we feel the best way to manage those challenges is to take control. Part of our process involves empowering you with the knowledge to choose the right path to become debit free & get back to thriving

Is Chapter 7 Bankruptcy Right For You?

Chapter 7 bankruptcy is the legal process designed to quickly free you from debt.  Chapter 7 is primarily utilized used to get rid of unsecured debt, like medical bills or credit cards, while allowing you to continue paying for your home or vehicle.   If you are current on your home or car, you can keep it if you choose to do so.  Chapter 7 can stop garnishments, repossessions, lawsuits, and repossessions, and allow you to get rid of cars or houses or other property that you are paying, so that you won’t be sued on those debts.  Some people do not qualify to file a Chapter 7, so you should contact the Wayne Young Law Firm and meet for free with one of our experienced bankruptcy lawyers to find out the options that best suit your needs.

If you’d like help filing for Chapter 7 bankruptcy, contact us to speak with one of our bankruptcy lawyers today. The phone call and the first appointment are free. Let us help you eliminate your debts, get a fresh start and the peace of mind that you deserve.

Time delays may affect your case! Call us now! 1-866-571-8696

Pursuant to Title 11 of the United States Code this firm is designated a debt relief agency.
We help people file for relief under the bankruptcy code.

Chapter 13 Bankruptcy

You have struggled in your life to do the right thing, working hard to pay what you owe and meet the financial and medical needs of your family. But now creditors are threatening to sue you, garnish your wages, or seize your property. Debts are ruining your life. Bill collector calls and threats of repossession or foreclosure keep you awake at night. There is a way out.

A Chapter 13  bankruptcy provides for Individual Reorganization. This means  you are able to keep property and pay debts over time. One of the significant advantages of a Chapter 13 bankruptcy, is that it gives individuals an opportunity to save their homes from foreclosure and cars from repossession.  If you are facing repossession of your vehicle, a home foreclosure, or garnishment of your wages or bank account, filing chapter 13 bankruptcy will stop the collection efforts and provide a chance for you to repay the unsecured debts that you can afford to repay, all while catching up the payments on your home or car, if necessary.

Chapter 13 bankruptcy places all of your debts into one convenient monthly payment.  In many Chapter 13 Bankruptcies, a car payment is consolidated into one monthly payment along with all other bills, and that one payment is less than the car payment!  In almost all Chapter 13 cases, only a very small part of the unsecured debt is repaid.  You get rid of the debts that are unpaid at the end of your case!  Chapter 13 may also give additional advantages in dealing with tax debt and divorce related debt, in addition to protecting anyone who may have co-signed a debt with you.  Contact the Wayne Young Law Firm and meet for free with one of our experienced bankruptcy lawyers to find out the options that best suit your needs.

If you’d like help filing for  Chapter 13 bankruptcy, contact us to speak with one of our bankruptcy lawyers today. The phone call and the first appointment are free. Let us help you eliminate your debts, get a fresh start and the peace of mind that you deserve.

Time delays may affect your case! Call us now! 1-866-571-8696

Pursuant to Title 11 of the United States Code this firm is designated a debt relief agency.
We help people file for relief under the bankruptcy code.

Wayne Young Law Firm, PA
1148 Stearns Street, Suite 1
Fayetteville, AR 72703

Phone: (479) 571-8696
Toll Free: (866) 571-8696

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