Affordable Chapter 7 Bankruptcy Lawyer
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With Unbundled Legal Help, you can hire a lawyer to assist you with the parts of your case you need help with, and then handle parts of your case yourself to save money. Alternatively, you can hire an attorney to handle your entire case with a low upfront deposit, and affordable payment plans.
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Finally, Legal Help Without Huge Up-Front Fees!
With Unbundled Legal Help you can hire a lawyer to assist you with the parts of your case you need help with, and then you can handle parts on your own to save money.
In other words, if your case is a good fit to be unbundled, you will NOT be required to pay thousands of dollars up front.
Significantly Less Up-Front Costs
The attorney we connect you with offers much more affordable legal service options, especially on up-front fees.
You're in Control
Want to handle a specific part of the case on your own? Want a lawyer to just handle it all? The decision is yours with Unbundled Legal Help.
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How Can a Bankruptcy Help Me?
When you are facing overwhelming debt and financial distress, life can become extremely difficult, if not impossible. Filing bankruptcy can eliminate the burden of debt and mounting interest and collections calls, and provide you with a much needed fresh start.
Credit Card and Personal Loan Debt
These types of debt typically involve high interest charges, ceaseless harassing creditor calls, and even lawsuits and wage garnishments. A bankruptcy can help eliminate these debts, and stop the creditor calls and legal actions for good.
Medical Bills
An unfortunate truth of our medical system is a trip to the hospital can become a financially devastating event. Filing a bankruptcy can complete eliminate medical bills, and relieve any financial stress to help you in your journey to a full recovery.
Prevent Foreclosure
The possibility of losing your family home, especially if you have children, can be devastating. Filing for bankruptcy may be able to stop any foreclosure actions, renegotiate unfavorable mortgage terms, and help you keep your home long term.
Stop Wage Garnishments
Having your wages garnished can make it next to impossible to pay off your debts and improve your financial situation. Bankruptcy can help remove any wage garnishments, and enable you to keep the money you've worked hard to earn.
Eliminate Debt and Get a Fresh Start
While it's not an easy decision to file for bankruptcy, removing the emotional and financial burden of debt and starting fresh can be one of the most important decisions you'll ever make. A bankruptcy lawyer will help you understand whether bankruptcy is right for you, and make the filing process as smooth and fast as possible.
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Consultation is Free
Working with an Unbundled Lawyer could save you thousands of dollars. Since the consultation is free, and there is no obligation to hire the lawyer we connect you with, give it a try and find out how much you’ll save on legal fees!
Why is Unbundled Legal Help So Affordable?
Watch the video to discover how Unbundled Lawyers can help you get started with your case for as little as $500 to $1,500.
How Can a Bankruptcy Lawyer Help You?
When you hire a bankruptcy lawyer to represent you, here are some of the things they can typically help you with:
Chapter 7 Bankruptcy
Can give you immediate relief from creditors. As well as eliminate most kinds of debts while allowing you to keep some types of property such as your home, car, and retirement account.
Chapter 13 Bankruptcy
is a type of bankruptcy that enables individuals to repay their debts over 3-5 years while keeping their property. A lawyer can help you get a repayment plan approved by the court and creditors.
Chapter 11 Bankruptcy
Provides individuals and businesses with the opportunity to reorganize their finances, reduce their debt, and emerge from bankruptcy with a more manageable repayment plan.
Eliminate Debt and Get a Fresh Start with Chapter 7 Bankruptcy
Many individuals find themselves in debt and pursued by creditors demanding payment, often at a time when the debtor can't afford to pay.
The Chapter 7 federal bankruptcy laws can stop debt collection and provide a clean slate for many individuals.
Unsecured debts such as medical bills and credit card debt can be discharged (forgiven) through the Chapter 7 bankruptcy process. Holders of these unsecured debts (creditors) are then forbidden to harass or "dun" their former debtors as soon as the Chapter 7 bankruptcy application is filed.
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If your bank accounts is being garnished, or you are being sued for collection of debts, those issues can be resolved through the Chapter 7 bankruptcy process.
Request a free consultation with an Unbundled Bankruptcy Attorney to learn more and find out if bankruptcy is the right solution for you.
What Kinds of Assets Can Be Protected With a Chapter 7 Bankruptcy?
Generally, a Chapter 7 bankruptcy application allows the individual to exempt certain assets from liquidation by the trustee. These include an automobile, personal items including clothing, household goods, and jewelry.
Also, retirement pensions and equity in a home are protected. Public assistance (welfare) including social security and unemployment compensation are also protected by Chapter 7 bankruptcy laws.
If there has been an award by a court for personal injury, that will be protected by the bankruptcy trustee. The Chapter 7 trustee sets limits on the level of protection for some assets, such as home equity, automobiles, and jewelry.
To find out more information on whether specific assets you own will be protected during the Chapter 7 bankruptcy process, request a free consultation with an Unbundled Bankruptcy Attorney now.
What is the Chapter 7 Bankruptcy Process?
The time from application through discharge is typically less than six months and involves one non-court appearance in front of the trustee. During the months prior to filing a petition, the petitioner must take a credit counseling course (online or in person).
The application form requires detailed financial information, including debt payments, bills, etc.
Your petition application also immediately and automatically "stays" or stops debt collection attempts. So, it is important to carefully list all debtors and debts in the petition application, so the trustee can notify them that you have filed for bankruptcy and they should stop all further collection notices and contacts.
At the trustee meeting, your debtors have a right to appear and present their case for receiving compensation as directed by the trustee. Secured debts like a home or a car can be held or surrendered to the debtor (bank), depending on the trustee's decision.
Once the trustee has processed your application, you are required to take a financial management course, in order for the trustee to order your debts officially discharged.
For a complete walk-through of the steps involved in filing Chapter 7 bankruptcy, and to determine if Chapter 7 is the right solution for you, request a free consultation with an Unbundled Bankruptcy Attorney now.
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Who is Unbundled Legal Help?
For over a decade, Unbundled Legal Help has connected over 1,000,000 people with lawyers in their area. Our lawyers provide unbundled legal services, which are typically a fraction of the upfront cost of a traditional retainer.
Our Mission:
Transform the affordability and accessibility of legal services across America.
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