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- Legal Fees Start As Low As $500 to $1500
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Get The Help You Need in 3 Easy Steps
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.
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.
Your First 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 $1500.
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.
Bankruptcy Law - Understanding Your Rights and Options
Bankruptcy is a legal process that allows individuals or businesses overwhelmed by debt to seek relief through reorganization or the elimination of debt. While bankruptcy may feel like a last resort, it can offer a fresh start for those struggling with financial burdens. Understanding the bankruptcy process and your legal options can help you decide if it is the right solution for your situation.
What Does Bankruptcy Law Involve?
Bankruptcy law provides several options for individuals and businesses facing unmanageable debt. The most common types of bankruptcy filings for individuals are Chapter 7 and Chapter 13. Each type has its own procedures and consequences, and selecting the right option depends on your financial circumstances.
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Bankruptcy law aims to protect both debtors and creditors by allowing debtors to either eliminate or reorganize their debts while offering creditors a chance to recover some of the money they are owed. However, not all debts can be discharged through bankruptcy, and there are strict rules and guidelines to follow during the process.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as "liquidation bankruptcy," allows individuals to discharge most unsecured debts, such as credit card bills, medical expenses, and personal loans. In exchange, some of the debtor's assets may be sold by a bankruptcy trustee to pay off creditors. However, many essential assets, such as a primary residence, car, and personal belongings, may be exempt from liquidation depending on state law.
To qualify for Chapter 7, individuals must pass a means test, which assesses their income against the state median. If your income is too high, you may not be eligible for Chapter 7 and may need to consider filing under Chapter 13 instead.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy, also known as "reorganization bankruptcy," allows individuals to keep their assets while repaying debts over a three- to five-year period through a court-approved repayment plan. Unlike Chapter 7, Chapter 13 does not require the liquidation of assets, making it a more suitable option for individuals with a steady income who want to protect their property.
Under Chapter 13, you will make monthly payments to a bankruptcy trustee, who will then distribute the funds to creditors based on the repayment plan. At the end of the repayment period, any remaining unsecured debts may be discharged.
The Bankruptcy Process
The bankruptcy process begins by filing a petition with the bankruptcy court. This petition includes detailed information about your assets, debts, income, and financial history. Once filed, an automatic stay goes into effect, halting most collection actions, including wage garnishments, lawsuits, and foreclosure proceedings.
A trustee will be appointed to oversee your case and ensure that the bankruptcy rules are followed. In Chapter 7 cases, the trustee may sell non-exempt assets to repay creditors. In Chapter 13 cases, the trustee will manage the repayment plan.
After meeting all requirements, the court will issue a discharge, which eliminates qualifying debts and releases the debtor from further liability for those obligations.
The Consequences of Bankruptcy
While bankruptcy offers relief from overwhelming debt, it also has significant consequences. A bankruptcy filing will remain on your credit report for up to 10 years, making it more difficult to obtain credit, mortgages, or loans in the future. Additionally, some debts, such as student loans, child support, and certain taxes, may not be discharged through bankruptcy.
Bankruptcy is a serious financial decision, and it is important to weigh the potential benefits against the long-term consequences.
Start the Process of Exploring Your Bankruptcy Options Today
Bankruptcy can be a lifeline for individuals and businesses facing unmanageable debt. However, the process is complex, and the long-term effects should be carefully considered. Consulting with a bankruptcy attorney can help you understand your options, determine which type of bankruptcy may be right for you, and guide you through the process.
If you are considering filing for bankruptcy, consult with a bankruptcy attorney today. They can provide the information and support you need to make informed decisions and take the first step toward financial recovery.
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Who is Unbundled Legal Help?
For over a decade, Unbundled Legal Help has connected over 2,000,000 people with lawyers in their area. Lawyers in the network offer unbundled legal services, typically at 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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