Chapter 7 Bankruptcy
The most common form of Bankruptcy is Chapter 7. We find that most consumers and businesses choose to file a chapter 7 because Chapter 7 allows for the discharge of the entire debt, rather than the repayment. Bankruptcy attorney David Foyil will evaluate your situation and help you determine the right course of action.
If there is no other alternative than filing for bankruptcy, our office will prepare your documents and file the chapter 7 bankruptcy petition. Our law firm also handles the schedules and all necessary pleadings. You will be required to be present at a “341a” meeting also known as the "Meeting of Creditors". At this meeting, the chapter 7 Trustee will ask you questions about your liabilities and assets. Although we cannot answer any of the questions on your behalf, we will appear with you in court and represent you.
We defend our clients against creditors and trustees who may want to sue you in order to have the debts declared “non-dischargable” or seek to have the Bankruptcy Court deny any discharge in the bankruptcy petition.
Chapter 13 Bankruptcy
Chapter 13 applies to individuals and businesses that are able to pay back their debt. Chapter 13 will allows a debtor to restructure their debt, making the repayment of the debt more manageable.
Our law firm will prepare and file the chapter 13 bankruptcy petition. As with chapter 7 filings, we handle all of the schedules and all required pleadings. Our law firm will also work with you to prepare a manageable re-payment plan.
As with Chapter 7 filings, you will be required to be present at a “341a” meeting, also known as the "Meeting of Creditors". At this meeting, the chapter 13 trustee will ask you questions about all of you liabilities and assets and your ability to make your chapter 13 payment plan.
Although we cannot answer any questions on your behalf, we will appear with you and represent you. Our law firm will represent you at all of the debtor Bankruptcy Court hearings
Fill out the Quick Contact form or call us for a consultation: 209-223-5363.