Practice Areas

Our Services Include:

  • Chapter 7 Bankruptcy:
    • The “fresh start” form of bankruptcy involving the elimination of all or a portion of debt
    • Types of debt that can be discharged include:
      • Unsecured personal loans
      • Auto accident claims
      • Credit card debt
      • Medical bills
      • Certain civil court judgments
      • Collection agency accounts
      • Past-due rent
      • Utility bills past due
      • Repossessions deficiency balances
      • and More
  • Chapter 13 Bankruptcy:
    • A consolidation and repayment form of bankruptcy for individuals with regular income
    • Provides protection from your creditors while allowing you to keep property and repay creditors in a manageable way.
    • Advantages Include:
      • No interest on credit card and finance company debt
      • No interest or penalties on tax debt
      • Prevention of mortgage default
      • Potential elimination of second mortgage lien debt
      • Reduced interest rates on secured loans
      • Reduction of the amount of secured loans to the value of collateral
      • Repayment of child support arrears

 

Bankruptcy Information

If you have out of control finances, an underwater house or can no longer afford your debts, then filing for bankruptcy is a legal way to reduce or completely eliminate debt and get a fresh start. Bankruptcy also offers protection from your creditors and can put a stop to annoying or harassing phone calls and high pressure scare tactics used by collectors.

Bankruptcy is designed to offer you a way out of debt and to protect you from your creditors, but you should be aware that your filing will remain on your credit report for 7 - 10 years. Call today for a free initial consultation to discuss your specific situation and help you determine if bankruptcy can give you the fresh start you need.

 

Different Types of Bankruptcy

There are two different forms of bankruptcy and the type you choose will depend on your personal financial situation; we can help you decide which path is right for you. Regardless of the type of bankruptcy chapter you choose, you will have immediate protection against collection agencies and their unsavory tactics, repossession of your property and the process will even stall the foreclosure of your home. This process is referred to as an automatic stay and it begins the moment you file for bankruptcy. There are two types of personal bankruptcy, including:

  • Chapter 7 Bankruptcy: The most common form of personal bankruptcy, you'll file Chapter 7 when you are unable to pay your existing debts. This process works best for unsecured debts and allows you to protect some of your assets.
  • Chapter 13 Bankruptcy: If you have too many assets or too much income to qualify for Chapter 7 bankruptcy, then Chapter 13 might work for you. This process allows you to reorganize your finances and restructure your debts; if you are behind on a mortgage, car payment or other secured debt, then it could be beneficial to file.

 

Help with Bankruptcy

While bankruptcy offers many benefits and can almost instantly alleviate your financial stress, it is a complex process and a knowledgeable attorney is a must. If you are worried about your financial situation and want to learn more about your options, contact us for a free consultation. We're here to help you recover and get a fresh start and financial outlook.

 

What you should know about Chapter 7 Bankruptcy >>

What you should know about Chapter 13 Bankruptcy >>

Benefits of Bankruptcy >>

Bankruptcy Protection >>

Wage Garnishment >>

Your Credit After Filing for Bankruptcy >>

Is bankruptcy the right path forward for you? >>

341 Meeting >>

 

 

"The end of law is not to abolish or restrain, but to preserve and enlarge freedom. For in all the states of created beings capable of law, where there is no law, there is no freedom."
John Locke

Holly E. Sutherland

2985 Meridian Rd., Ste. 120

Meridian, ID 83642

(208)884-1928

 

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."
CONTACT US