Bankruptcy Attorney in Sullivan County

Dedicated to Helping You Achieve Debt Relief

If your debts have piled up and you can never seem to get ahead of them, it may be time to consider filing for bankruptcy. Filing for bankruptcy is often one of the best ways for those struggling with debt to begin the process of clearing the slate, so they can have a fresh start. At the Law Offices of David Brodman in Sullivan County, our skilled legal team will guide you through the process of filing for bankruptcy, so you can get started on working toward a better financial future.

Chapter 7 or Chapter 13: Which Is Right for Me?

The specific details of your circumstances will influence the type of bankruptcy you file for. Most people typically choose between a Chapter 7 and Chapter 13 bankruptcy.

Here is what you need to know about each of these options:

• Chapter 7 Bankruptcy: Before you file for a Chapter 7 bankruptcy, you will have to assess if you are eligible by taking the means test. The means test will compare your income to others in the state. If you qualify, this option will discharge all of your unsecured debts.
• Chapter 13 Bankruptcy: If you do not qualify for a Chapter 7 bankruptcy because your income is too high, you will likely be able to file for a Chapter 13 bankruptcy, which is essentially a repayment plan that lasts 3 to 5 years. Moreover, any remaining debts will be discharged.

In addition to clearing your debts, filing for bankruptcy, regardless of the type, will result in an automatic stay. When an automatic stay goes into effect, it will stop wage garnishments, keep creditors from contacting you, and give you the space you need to breathe and think about your next steps.

Learn More About the Bankruptcy Process by Scheduling a Free Initial Consultation Today!

At the Law Offices of David Brodman in Sullivan County, our experienced attorney will guide you through the process of filing for bankruptcy, regardless if it is a Chapter 13 or Chapter 7 bankruptcy. We understand the difficulties you are facing, which is why we are committed to providing strong legal support on behalf of everyone we serve. With our team on your side, you can feel confident that a brighter financial future is on the horizon.