Representation
Matters James Handles
Every matter depends on its facts and the law of the state where it arises. The following are examples of issues the firm may handle:
- Chapter 7 bankruptcy evaluation and filing
- Chapter 13 repayment-plan cases
- Creditor and collection concerns
- Foreclosure-related bankruptcy questions
- Preparing schedules and required disclosures
- Guidance through trustee and court requirements
Chapter 7
Chapter 7 is a federal liquidation process. A trustee reviews the debtor’s property and finances, while applicable exemption law may protect certain property. Eligibility, exemptions and the treatment of secured debts require an individualized review.
Chapter 13
Chapter 13 allows an individual with regular income to propose a court-supervised repayment plan, commonly lasting three to five years. It may provide a way to address arrears or retain important property while making required payments.
Preparing for an Accurate Filing
Bankruptcy requires complete information about income, expenses, property, debts and recent financial activity. James helps clients understand the documentation and disclosure requirements before a petition is filed.