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OTHER DEBTS A Chapter 13 can likewise assist with lots of other forms of financial obligation, including: Past-due rent Past-due utilities Title loans Past-due kid assistance Income taxes Medical expenses If you are drowning in financial obligation and wish to see what kind of relief Chapter 13 can offer your situation, then call the Reaves Law Company today for a FREE CONSULTATION.

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In simply a couple of hours, the bankruptcy department at the Reaves Law practice can have a Chapter 13 submitted for you that substantially decreases your regular monthly payments. Does Personal Bankruptcy Start Your Financial Life Over? With a Chapter 7 personal bankruptcy, you can erase most types of unsecured debt (i. e.

This indicates you won't need to pay anything on those debts. While this may sound luring to lots of people, the decision to submit Chapter 7 is not one that must be made lightly. The bankruptcy department at the Reaves Law Practice has the proficiency to discuss the benefits and drawbacks of Chapter 7 for your individual situation.

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Chapter 13 Bankruptcy Attorney Chesterfield MO - James Day - Questions

FINANCIAL OBLIGATIONS THAT A CHAPTER 7 USUALLY WON'T HELP As a general matter, a Chapter 7 will not provide you with any relief for trainee loans and child support.  Try This  of taxes and fines will likewise survive a Chapter 7 discharge; nevertheless, those financial obligations require to be considered on a case-by-case basis.

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But if you are current on those payments, then normally you can enter into what is called a Reaffirmation Contract with those creditors and keep making your payments. If you want to surrender your residential or commercial property back to the financial institution, then a Chapter 7 can help you avoid having to pay the difference if the lender sells your house or automobile for less than you owe on it.

The Reaves Law Company will not submit a Chapter 7 for an individual if there is even a small possibility that he will lose his house involuntarily. Garnishments, Title Loans, and Payday advance loan In many cases, filing an insolvency will stop a garnishment. Both a Chapter 13 and a Chapter 7 can be extremely helpful.