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Coleman & MacDonald Law Offices near you in West Newbury, MA | FREE CONSULTATION
West Newbury Car Auto Accident Consult $0.00 | If We Don’t Win, You Don’t Pay
If you’ve been injured/hurt from a car accident in West Newbury, Massachusetts, contact the personal injury lawyers near you and wrongful death attorneys at the Law Offices of Coleman & MacDonald. Coleman & MacDonald is a full-service law firm providing professional legal services in the following areas: Personal Injury, Workers Compensation, Criminal Law, U.S. Immigration Law, Real Estate, Landlord/Tenant Rights, Intellectual Property Law, Bankruptcy, Loan Modifications, and Civil Litigation. Call our attorneys and get the help and get a free consultation you need today.
Charlotte Bankruptcy Attorney
Committed to Your Success & Satisfaction
If you are weighing your options for debt relief or are dealing with a bankruptcy issue, the Law Office of Kimberly A. Sheek is here to help you navigate this stressful time. I, Attorney Kimberly Sheek, have more than a decade of experience with which to help you achieve financial freedom. As your representative, I will work directly with you so that you benefit from fully qualified, individualized, and award-winning service.
What is more, I am known for my personalized method of care. Once my firm has received all necessary documents for your bankruptcy case, I can prepare an effective case strategy in a timely and professional manner. You can count on me to be there for you in your time of need.
At my law firm, I want to help you start a stronger chapter in life as soon as possible, and I am ready with the responsive service you deserve. As a dedicated bankruptcy lawyer in Charlotte, I am available for appointments Monday through Friday. I am ready to work hard on your behalf. Please don’t hesitate to contact the Law Office of Kimberly A. Sheek today.
Charlotte Chapter 7 Bankruptcy Attorney
Personalized & Effective Debt Relief Through Chapter 7
If you are drowning in debt and need fast, effective relief, Chapter 7 bankruptcy may be the solution for you. Chapter 7 is known as liquidation bankruptcy because it can clear all or most unsecured debt.
Debts that can be discharged in Chapter 7 bankruptcy include:
• Credit card debts
• Medical bills
• Debts from lawsuits
• Collection agency debts
• Overdue bills
• Personal loans
At the Law Office of Kimberly A. Sheek, I am known for providing well-informed advice and personalized guidance. With me, clients work directly with a knowledgeable Chapter 7 bankruptcy attorney in Charlotte from start to finish. I am here to get you through the process successfully.
Chapter 7 Bankruptcy Requirements
Not everybody will qualify for Chapter 7 due to income restrictions. You must make less than the median household income in your state to qualify (also known as the means test). You must also attend a meeting of creditors and participate in credit counseling courses.
You may also be unable to file for Chapter 7 if you had a prior bankruptcy case dismissed within the last 180 days due to allegations of fraud or abuse. Additionally, if you filed for and completed a Chapter 7 bankruptcy previously, you won’t be able to apply for Chapter 7 again for at least eight years.
If you do not qualify for Chapter 7 bankruptcy, you may benefit from Chapter 13 bankruptcy. I can advise you of your options and discuss the best possible solution to your financial troubles.
Will I Keep My Property after Chapter 7?
Chapter 7 allows for several exemptions. Many assets, such as small items, clothing, and furniture, have little to no liquidation value and can be kept in most cases. Most people are also able to keep their home and car after Chapter 7 if they are within exemption limits.
Some exemptions available to debtors in North Carolina include:
• Up to $35,000 for your homestead, or $60,000 for some debtors age 65 and older
• Clothing up to $5,000, plus $1,000 per dependent
• Up to $25,000 for college savings accounts, with some exceptions
• $3,500 for motor vehicles
• A “wildcard” of up to $5,000 of any unused portion of your homestead exemption
Additional exemptions exist for retirement accounts and earned wages. I can discuss what you may be able to keep and what you can expect during the process.
Start with a Free Debt Consultation
I have more than a decade of experience guiding clients through bankruptcy. I have represented thousands of cases and helped many of my clients find a fresh financial start. I listen to you and approach each case with unique solutions that serve your short- and long-term economic interests. You are not alone throughout the process because a Charlotte Chapter 7 bankruptcy lawyer will be there every step of the way.