Kansas City Chapter 7 Attorney

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About The Law Office of Jennifer Dodson:
At the Law Office of Jennifer Dodson we are dedicated to providing you the finest resources, counsel, and representation for your Chapter 7 and Chapter 13 Bankruptcy needs.  You are our top priority, and we are dedicated to getting you the help you deserve. Whether you've been garnished or facing foreclosure, our skills, experience, and expertise will achieve the successful results you need. Let us advocate for you when you can no longer do it alone. Schedule a free consultation today to find out what the Law Office of Jennifer Dodson can do to protect you.

At its most basic level, Bankruptcy is a means for honest, hardworking people to obtain relief from overwhelming debt. Some types of Bankruptcy erase most debt altogether, while other types allow people and businesses to restructure their debts so they can make payments to their creditors while still making a living.

Below are some frequently asked questions concerning Bankruptcy:

What is a Chapter 7 Bankruptcy?
Chapter 7 Bankruptcy is a liquidation proceeding. The debtor turns over all non-exempt property to the Bankruptcy trustee who then converts it to cash for distribution to the creditors. The debtor receives a discharge of all dischargeable debts usually within four months. In a majority of cases the debtor has no assets that he/she would lose so Chapter 7 will give that person a relatively quick "fresh start".

What is a Chapter 13 Bankruptcy?
Chapter 13 Bankruptcy is also known as a reorganization Bankruptcy. Chapter13 Bankruptcy is filed by individuals who want to pay off their debts over a period of three to five years. This type of Bankruptcy appeals to individuals who have non-exempt property that they want to keep, or prevent foreclosure/repossession of assets. It is also only an option for individuals whose income is sufficient to pay their reasonable expenses with some amount left over to pay off their debts.

Can I keep my home and/or car after I file Bankruptcy?
You will not lose your home or car during your Bankruptcy case as long as your equity in the property is fully exempt, and you continue to make on time payments to your secured lenders. Even if your property is not fully exempt you may still be able to keep your property by filing a Chapter 13 Bankruptcy instead of a Chapter 7 Bankruptcy.

Can filing Bankruptcy stop creditor calls?
Yes, they will! The automatic stay requires actions against a debtor must cease upon filing of Bankruptcy. Creditors cannot initiate or continue any lawsuits, wage garnishees, or even telephone calls demanding payments. Secured creditors such as banks holding, for example, a lien on a car will get the stay lifted if you cannot make payments. Please contact the Law Office of Jennifer Dodson if you are experiencing harassment from creditors.