If you’re feeling stressed about debt and searching for a “Chapter 7 Bankruptcy Attorney Near Me,” you’re not alone. Many people face tough financial situations, and Chapter 7 bankruptcy can offer a fresh start. It helps wipe out many types of debt and gives you a chance to rebuild.
At Lauber Law Group, we help people in Washington file for Chapter 7 bankruptcy and take back control of their lives. Here’s a simple guide to help you understand how it works and how we can help.
What Is Chapter 7 Bankruptcy?
Chapter 7 is a legal way to erase many kinds of debt. It’s often called “straight bankruptcy” or “debt liquidation.” If you have more debt than you can pay and not many assets, this could be the best option for you. It can help get rid of:
- Credit card bills.
- Medical debt.
- Personal loans.
- Utility bills.
- Old apartment lease debt.
- Car loan debt (if the car has already been taken back).
- Some older tax debt.
Once you file, your creditors (the people you owe money to) must stop trying to collect from you right away.
How Can a Bankruptcy Attorney Help?
When you search for a Chapter 7 bankruptcy lawyer near you, you want someone who will guide you through the process and make sure everything is done correctly. A good attorney will:
- Check if you qualify for Chapter 7.
- Help fill out all the paperwork.
- Make sure you can keep your important property.
- Go with you to the meeting with the bankruptcy court.
- Talk to creditors on your behalf.
- Explain your rights and next steps clearly.
Having the right attorney by your side can make the process easier and less stressful. They’ll help you avoid mistakes and give you peace of mind during a difficult time.
What Debts Can’t Be Erased?
Some debts cannot be removed through Chapter 7 bankruptcy, such as:
- Child support and alimony.
- Most student loans.
- Recent income taxes.
- Fines or money you owe from a court case.
We can help you understand which debts can be erased and which ones cannot.
Will I Lose My Property?
This is a common worry, but most people who file Chapter 7 do not lose their home, car, or belongings. If you’re up to date on your mortgage or car payments, you may be able to keep them.
There are laws called “exemptions” that protect certain property. We’ll help you understand what you can keep.
Will Bankruptcy Hurt My Credit Forever?
Filing for Chapter 7 does affect your credit, but it won’t ruin it forever. Many people start rebuilding their credit soon after their case is done. With the right steps, you can rebuild your credit and create a stronger financial future.
Talk to Lauber Law Group Today
Searching for a Chapter 7 bankruptcy attorney near you doesn’t have to be hard. At Lauber Law Group, we make the process simple and less stressful. We’ll answer your questions, handle the paperwork, and help you start fresh.
Call us today for a free consultation. Let’s talk about how you can move forward and leave debt behind.
