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Chapter 7 Bankruptcy Attorney in Raleigh

Work with Your Personal Bankruptcy Lawyer

Chapter 7 of the U.S. Bankruptcy Code outlines the specific procedure associated with this form of bankruptcy, available for use by individuals who are facing overwhelming debt and need relief. Also referred to as “liquidation” or “straight bankruptcy”, Chapter 7 involves the liquidation of the debtor’s non-exempt assets to pay off part or all of his or her debts. Once these assets are surrendered to the bankruptcy court and the proceeds are distributed among creditors, the debtor’s debts will be discharged.

The benefit of filing under Chapter 7 is that all creditor contact and collection efforts must stop immediately. You will no longer face threatening phone calls, letters or even personal visits. Creditor abuse will stop. You can finally live in peace and stop worrying about debt!

Qualifying for Chapter 7 Bankruptcy

An important factor associated with a Chapter 7 bankruptcy is whether you will qualify in the first place. Under the Bankruptcy Act, your income and expenses will be carefully reviewed in order to determine whether you can file under Chapter 7 or if you must file under Chapter 13. The court will look at your average income for the last 6 months and compare this to the median level for North Carolina in particular. If your income is below the median, you may be able to file under Chapter 7. If your income exceeds the median, it is likely that you will have to file under Chapter 13.

Chapter 7 Bankruptcy Attorneys in Raleigh, NC

If you are interested in filing for bankruptcy or are facing overwhelming debt, consult a Raleigh bankruptcy attorney at Hopper Law Office. We are very experienced in dealing with Chapter 7 proceedings throughout North Carolina. We will explain your rights and options and can help determine whether Chapter 7 may be an option for you. By working with us, you will have the best opportunity of having the process go smoothly with the least amount of disruption and the highest benefit to you, now and in the future.

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