The stress that comes with the inability to pay bills is intense. One major setback such as a job loss or medical crisis may have pushed you so far behind that you cannot see a way to catch up. Other good, hardworking people pile up too much debt over time as they struggle to keep up with basic living expenses. For many, filing personal bankruptcy is the one legal, reliable way to get a fresh start.
If you qualify, Chapter 7 bankruptcy may provide a relatively quick path to a discharge (“forgiveness”) of unsecured debts such as credit card balances and medical bills. Our Charles Town, West Virginia-based attorney James T. Kratovil has practiced bankruptcy law throughout his 35-plus-year career. Let him help you decide if Chapter 7 is the right solution for you. Important benefits for you may include:
Relief from relentless collection calls and other types of creditor harassment, beginning as soon as you retain our law firm for bankruptcy counsel and representation
Protection from creditor lawsuits that can bring judgments against you, wage garnishment and other crippling consequences
Ability to wipe away large, high-interest credit card balances and certain other debts so that you can focus on priority expenses such as your mortgage
Filing for bankruptcy is a big decision. You can count on straight answers about what a Chapter 7 or Chapter 13 bankruptcy filing will and will not accomplish for you when you turn to our law firm. A Kratovil Law Offices, PLLC, we take an open, educational approach and are responsive to all questions you may have about property you can keep, obligations after you file, rebuilding credit in the coming years, and other vital issues.
If we believe alternatives to bankruptcy can work for you, we will tell you exactly that. If you decide to file, put our experienced team of Jefferson County Chapter 7 bankruptcy lawyers to work on your behalf. Rather than waiting, worrying and making desperate decisions that worsen your financial situation, we encourage you to contact us for a free initial consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.