Hawaii Chapter 7 Lawyer
If you are struggling with debt, bankruptcy may be an option. We will meet to discuss your finances and whether you are eligible for Chapter 7, Chapter 13 or both. Once I understand your goals — debt relief, stopping foreclosure, saving property, preventing wage garnishment — we will be able to choose the option that is best for you.
I am attorney Andrea L. Heckler. Since 2003, I have helped people find solutions to debt problems through bankruptcy and non-bankruptcy options. Because I formerly did collections work, I am often able to work with creditors to establish payment plans or a settlement. Let's talk today about how I can help you. For a free consultation, please call 866-779-5075 or contact me online.
You Can Get Help for Debt Problems
One of the benefits of bankruptcy is that you receive an automatic stay from all collection activities during the bankruptcy process. The automatic stay will stop creditor phone calls and prevent creditors from garnishing your wages, filing and foreclosing on liens, and seizing collateral or property.
To qualify for Chapter 7, your income must be below the median for a household of your size in Hawaii. Under Chapter 7 bankruptcy, many of your debts will be discharged, which means you will not have to repay them. Examples of dischargeable debt include medical bills, credit card debt and unsecured loans.
Chapter 13 bankruptcy is different. Instead of having your debt discharged, it will be restructured into a repayment plan of either three or five years. The monthly payments on your loans will be lowered, so you will be able to continue making payments. If you wish to keep some of your assets, such as your home, Chapter 13 bankruptcy may work for you.
There are some debts and obligations, however, such as spousal and child support, student loans, taxes, and wrongful death or injury judgments, that are not dischargeable under any type of bankruptcy.
Contact a Honolulu Bankruptcy attorney at 866-779-5075 today.
We are a debt-relief agency. We help people file for relief under the Bankruptcy Code.