Helbing Law Office Logo by Timothy Helbing located in Appleton, WI serving chapter 7 and chapter 13 bankruptcy

Find the relief from crushing debt that can set you free

Finding a way to pay off your debts can be a challenge. When you are ready to get everything taken care of, you might need to explore options that enable you to make more than just the minimum monthly payments. There are some debt relief companies that will offer to do this for you; however, many of these are unscrupulous companies that prey on people who are trying to get debts paid.

We realize that you don’t want to fall victim to these scams. We are here to help you find a debt relief plan that works for your needs. In many cases, bankruptcy is the best option available. Even though this might seem like a frightening prospect, many people who learn a bit about it find that it is what they need to do.

There are two types of bankruptcy that you might qualify for. Each of these has specific requirements and some special considerations. For Chapter 7, you have to pass a means test. For Chapter 13, you need an income that can support your basic expenses and leave money for a repayment plan that is handled through a bankruptcy trustee.

There are differences with how assets are handled for each of these. Chapter 7 is known as a liquidation bankruptcy since nonexempt assets are liquidated to pay off creditors. You can usually keep more assets in a Chapter 13 since you will be repaying the court.

We know that this is a big decision for you since it can impact various areas of your life. We can answer your questions and help you get the process started for you to get the financial relief you so desperately need.

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