Green Bay, Wisconsin, Bankruptcy Lawyers
The decision to file bankruptcy is not an easy one. You may feel that by filing bankruptcy you are admitting failure. You may worry that you will be judged. The truth is, even the hardest working people can fall onto hard times financially, especially in the current state of our economy. If you have, you can seek help from a law firm that provides compassionate, non-judgmental advocacy; a law firm that is dedicated to helping you get back on track with your finances. Filing for bankruptcy is not failure. It is a protection that consumers are entitled to pursue when they meet the appropriate legal criteria for a particular chapter of bankruptcy.
Would you like to take a step toward obtaining relief from your debts? To schedule your free initial consultation with an attorney at one of our four convenient Northeastern Wisconsin locations, please call toll free at 1-888-557-7573 or e-mail us. We offer flexible appointment hours.
Providing Immediate Solutions to Current Debt Problems
Czachor & Polack, LLP, understands that your overwhelming debt is the cause of many stresses in your life. On a daily basis, you may be harassed by creditors, fear that your car will be repossessed, be worried about losing your home to foreclosure, and anxious that your wages will be garnished. Our attorneys provide solutions to these problems. We will discuss your bankruptcy options — including any alternatives to bankruptcy — and identify the most advisable choice for you.
Chapter 7 bankruptcy is debt liquidation. To be eligible for Chapter 7, you must qualify under a means test. This means test compares your salary with the median salary in Wisconsin. It may also look at your expenses to determine your disposable income. In Chapter 7, your dischargeable debt is wiped out when you have completed the bankruptcy process.
Chapter 13 bankruptcy is debt reorganization. It is frequently called "wage earner" bankruptcy and is advisable for most people who have a steady income. In Chapter 13, debt is reorganized to more manageable levels. You will enter into an agreement with your creditors to pay off any remaining debts within a three to five year timeframe. Chapter 13 allows you to keep your home and stop foreclosure.
For more information about Chapter 7 and Chapter 13 bankruptcy, please contact our firm to schedule your free initial consultation.
We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.
