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Mounting debts and calls from creditors can be very difficult for consumers who are underwater in debt. Anyone who is facing the reality that there just isn’t enough income to cover debts might ultimately decide to file for bankruptcy. One possibility is Chapter 7 bankruptcy.

There is a variety of reasons why someone might end up in debt that requires them to file for bankruptcy. Someone in the family might get sick or someone might lose a job. In some cases, paying off debts becomes so difficult that other vital life necessities like food and medications can’t be purchased. In those times, getting rid of medical bills and credit card bills might provide the relief you need to enjoy life again. Filing for bankruptcy can also stop creditors from harassing you, so you can have some peaceful moments that don’t involve dreading hearing the phone ring or hating going to the mailbox.

Chapter 7 bankruptcy is a liquidation bankruptcy. This means that some assets are sold to pay off creditors. Debts that aren’t covered by those sales are discharged. Our Kentucky readers should know that not all debts are discharged in a Chapter 7 bankruptcy, but not all assets are sold as part of the liquidation process either. We can help anyone who is considering filing a claim for Chapter 7 bankruptcy protection to understand what assets are protected from the liquidation and what debts are eligible for discharge.

You don’t have to live with the pressure of overwhelming debts. Let us help you explore your options to enjoy a fresh financial start.