A Chapter 7 Bankruptcy Attorney Committed To Your Fresh Start
Dealing with debt can feel like carrying a weight that continues to get heavier. It’s stressful and overwhelming, and it may seem like a battle you’re facing alone.
Bankruptcy might be the fresh start you need, and I’m here to help guide you through it.
Your Light At The End Of The Debt Tunnel
I’m Wesley Todd, a bankruptcy lawyer with 10-plus years of experience and deep roots right here in the Kalamazoo and Battle Creek communities. My commitment is to help people like you break free from the shackles of debt and step into financial freedom.
When you work with me, you’re not just another case number; you’re a person with a story. I will listen to that story. As a solo attorney, I’ll be working directly with you. I handle Chapter 7 bankruptcy cases in Kalamazoo and Battle Creek, standing by you every step of the way.
Understanding Chapter 7 Bankruptcy
It’s common to have questions about bankruptcy. Chapter 7 is one of the most common types of consumer bankruptcies, and I’m very familiar with all the complexities of these cases.
Who Can Qualify?
Chapter 7 bankruptcy is available to those who primarily have unsecured debts, such as credit card bills and medical expenses. To qualify, your income must be below a certain limit, which takes into account your household size and the median income in Michigan.
Many people have the misconception that they must have a certain amount of debt to qualify. In fact, Chapter 7 bankruptcy isn’t about how much debt you have; it’s about the type of debt. Unsecured debts can often be discharged, meaning you’re no longer legally required to pay them. Secured debts, tied to assets like your home or car, are a different story. I can review the full picture of your financial situation to help you determine if Chapter 7 bankruptcy is a feasible solution.
The Chapter 7 Bankruptcy Process
The Chapter 7 bankruptcy process begins with the preparation and filing of your petition, which includes detailed documentation of your finances. Once filed, an automatic stay immediately halts most creditor actions against you, providing relief from harassment and collection efforts. A bankruptcy trustee is then appointed to oversee your case. You’ll attend a meeting of creditors where the trustee will review your information and ask questions about your financial status. If everything is in order, your unsecured debts will then be discharged, freeing you from these obligations and allowing you to move forward with a clean slate.
Throughout this process, I’ll be by your side, ensuring that you understand each step and what it means for your financial future.
Timeline
Typically, a Chapter 7 case can be completed in a matter of months. This swift process gives you the chance to start rebuilding your financial life sooner rather than later.
Will I Lose Everything?
A common worry is the loss of your home or car. The truth is that bankruptcy can actually stop creditor collections and wage garnishments. What’s more, many people can keep their most cherished possessions. Let’s discuss your specific situation and address these concerns together.
Ready to Reclaim Your Financial Future?
I understand the weight of your stress, and I’m here to help lift it off your shoulders. If you’re ready to take the first step toward financial freedom, contact me at my firm – Wesley Todd PLLC – and let’s start this journey together. Call 269-718-3229 to reach me.
I am a debt relief agent. I help people file for bankruptcy relief under the Bankruptcy Code.