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Connect with a More Affordable Bankruptcy Lawyer

Bankruptcy May Be Able to Help You:

  • Eliminate medical and credit card debt
  • Save your home, car, and belongings
  • Stop lawsuits and collection calls

We Will Instantly Connect You with a Bankruptcy Lawyer for a Free Consultation

How It Works

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1 Complete Request

Instantly connect to a bankruptcy lawyer

Complete Request

2 Receive a Free Consultation

Find out if bankruptcy is right for you

Complete Request

3 Get Affordable Help

Flexible payment plans to fit your budget

How Does Unbundled Legal Help Make Filing Bankruptcy More Affordable?

Unbundled Legal Help will instantly connect you with a Bankruptcy lawyer who can provide you with a Free Consultation to determine if Bankruptcy is right for you. If your case qualifies, your Bankruptcy lawyer will provide you with flexible payment options that are tailored to your specific case and your financial budget.

Watch this short video to learn more.

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What is Bankruptcy and How Can It Help?

Almost every consumer and business person will all at some point find themselves challenged by debt, either from personal or business debt. Our federal bankruptcy laws are a lifeline that can be used to obtain a permanent release from liability for your debts.

If debt becomes overwhelming and threatens to become a long-term problem, then bankruptcy may be the appropriate solution to help you eliminate your debts and get a fresh start.

What is the Bankruptcy Process?

Bankruptcy is designed to give consumers and businesses a second chance at obtaining credit.

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The initial filing of a bankruptcy application will immediately halt bank foreclosures on homes, creditor seizure of automobiles, bothersome debt collections calls, as well as threatening letters from attorneys and creditors.

The federal bankruptcy process assigns a trustee appointed by the court, to administer consumer and business applications seeking a release from debt. A court then approves the trustee's plan.

Once a petition for bankruptcy is approved, those debts enumerated in the trustee plan are said to be "discharged." This means you no longer have any obligation to pay those debts, and just as important, your creditors can no longer harass or otherwise pursue attempts to collect those debts.

It is important for petitioners to follow the correct procedures when filing for bankruptcy. That is why it is an important step to speak with an Unbundled Bankruptcy Attorney prior to completing and filing your application.

Types of Bankruptcy

There are a number of different types of bankruptcy that apply to various types of financial circumstances, both personal and in business. It's important you fully understand the differences before filing a bankruptcy for debt relief.

Chapter 7 Bankruptcy

Chapter 7, also called "liquidation" or "straight bankruptcy," is the process by which a debtor's assets are sold, creditors receive payment, and you are released from the obligation to pay the debt.

Chapter 7 is the most popular form of bankruptcy because it allows debtors to keep certain kinds of assets (exempt property) while agreeing to allow the trustee to liquidate others (non-exempt property).

Chapter 11 Bankruptcy

Chapter 11 procedures are more restrictive than Chapter 7 but are well-suited for business owners who have accumulated excessive debt.

A Chapter 11 bankruptcy application allows you to keep your businesses going and keep vital business assets. These plans reorganize debts so that a portion of the old debt is paid back, but the business continues to operate.

This category of bankruptcy often involves higher costs for the petitioner, however, so a consultation with your Unbundled Bankruptcy Attorney may be critical for making a careful evaluation of Chapter 11 is suitable for your business prior to filing an application.

Chapter 13 Bankruptcy

Individuals and couples who can count on a steady stream of income to support their bankruptcy application should consider a Chapter 13 bankruptcy filing.

Instead of wiping debt off the books, such as in a Chapter 7 procedure, Chapter 13 petitioners agree to pay back a portion of their existing debt which prevents them from having to relinquish their assets to the trustee.

Under Chapter 13 bankruptcy you can usually expect to keep much of your property while discharging most of your accumulated debt. It will also halt foreclosure and seizure actions by creditors.

Pros and Cons of Bankruptcy

Bankruptcy is a legal framework that provides a fresh start with previous debts erased or discharged by the courts. Most importantly, it can halt bothersome and often aggressive collection methods that can be very disruptive both personally and for your business.

However, the resolution of previous debts through the federal bankruptcy laws will impact your credit rating and remain on your credit report for ten years, making it difficult for you to obtain credit in the future.

An important step is to request a free consultation with an Unbundled Bankruptcy Attorney, so you can get the guidance and advice you need to determine whether bankruptcy is an appropriate solution for your individual circumstances.

Frequently Asked Questions

During your Free Bankruptcy consultation, the lawyer we connect you with will advise you on whether you are eligible for bankruptcy debt relief. Filing for bankruptcy can eliminate medical bills, credit card debt, and other financial obligations. Bankruptcy can also put a stop to harrassing calls from creditors, remove wage garnishments, and in some cases, may help you keep your home. However, filing for bankruptcy will impact your credit rating and affect your ability to obtain credit, so it’s important to speak with your Bankruptcy lawyer to ensure that filing for Bankruptcy is right for you. The cost of filing bankruptcy will vary based on amount of debts and creditors you owe, if there assets or property involved, and other factors. However, many bankruptcy lawyers offer creative and flexible payment options that can help offset upfront costs. During your free consultation, your bankruptcy lawyer will provide you with an exact price, and go over the various payment options tailored to your specific case and financial budget.
There is no minimum amount of debt required for filing for bankruptcy. However, there are a number of considerations for filing bankruptcy such as the type of debt you have, the likelihood that you will be able to pay the debt back, and other factors. When you talk to your bankruptcy lawyer, they can provide you some guidance based on your unique financial situation. In certain circumstances, you may be able to keep your home, vehicles, and other belongings that you owe money on. The bankruptcy lawyer we connect you with can help you understand your options specific to your situation. You will be immediately connected with a lawyer as soon as you submit your request. Depending on the time of day, you may be able to talk to a bankruptcy lawyer within a few minutes.

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