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Personal Bankruptcy

We help individuals file bankruptcy under Chapter 7, Chapter 13, and Chapter 11 of the Bankruptcy Code. Whether you are struggling with credit card debt, are behind on your mortgage, or are buried in medical bills the Law Office of Charles A. Higgs is here to help you navigate the complexities of the bankruptcy code and obtain a fresh start.

CHAPTER 7 BANKRUPTCY

 

Chapter 7 Bankruptcy is the most common type of bankruptcy and is generally the cheapest aand fastest option for discharging debt under the bankruptcy code. The Chapter 7 bankruptcy process generally takes about four months from filing to completion. Chapter 7 bankruptcy is useful for eliminating credit card debt, medical bills, personal loans, and other unsecured debts.

Benefits of Chapter 7 Bankruptcy

Immediately stops creditors from proceeding with lawsuits and other collection actions

Allows you to eliminate certain debts including credit cards, medical bills, and personal loans

 

In many cases it is possible to file Chapter 7 even if you own a home

Cheaper and Faster than Chapter 11 or Chapter 13 Bankruptcy

CHAPTER 13 BANKRUPTCY

Chapter 13 Bankruptcy allows individuals to keep their property while repaying a portion of your debts over a period of 60 months. Chapter 13 offers additional benefits including, in some circumstances, the ability to eliminate home equity mortgages and the ability to cram down the loan on investment property to the value of the property.

Benefits of Chapter 13 Bankruptcy

Immediately stops creditors from proceeding with lawsuits and other collection actions

Allows you to retain non-exempt assets that you might not be able to retain in Chapter 7 Bankruptcy.

Provides the opportunity to propose a Chapter 13 bankruptcy plan, under which your mortgage arrears can be repaid over time.

What Our Clients Say

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Paul K., Former Client

Bankruptcy is a very stressful and more or less scary process, Melissa Wotton made sure the process went smooth knowing you're always in good hands.