Helping You Wipe The Slate Clean
No one wants to live under the crushing weight of debt. At Kimel Law Offices, our lawyer and staff understand how overwhelming it can be to ask for help. Chapter 7 bankruptcy is a true fresh start. It does not involve a payment plan and will clear all your dischargeable debts.
Our founding attorney will thoroughly review your financial situation to help you determine if you qualify for Chapter 7 bankruptcy and whether it is the right option for you. He has over 30 years of experience providing sound guidance to clients in Yakima and throughout central Washington. You can trust him to help you through this difficult time.
The Benefits Of Filing For Chapter 7 Bankruptcy
To qualify for Chapter 7 bankruptcy, you must pass a “means test” that compares your monthly income with the median income in Washington to prove that you can repay your debts. To calculate this, specific expenses will be deducted from your total monthly income to calculate your disposable income. If your disposable income is too high, you may not qualify for Chapter 7 bankruptcy. However, you may qualify for Chapter 13 bankruptcy instead.
Chapter 7 bankruptcy allows you to discharge numerous debts, including:
- Medical bills
- Credit card debt
- Utility bills
- Repossessed vehicles
- Payday loans
- Past due rent
- Personal loans
However, Chapter 7 will not discharge most student loans, child and spousal support, tax liability debts and government fines. While Chapter 7 does majorly impact your credit score for up to 10 years, it is faster than other types of bankruptcy and only takes about 90 days after filing to discharge your debts.
Let Our Lawyer Help You Move Forward
At Kimel Law Offices, our attorney can help you wipe the slate clean and find the fresh start you deserve. No one should have to live under the heavy burden of debt. He and our staff are here to help you. To schedule a consultation, call us at 509-381-7321 or complete our online contact form.
Kimel Law Offices is a debt relief agency. Our attorney helps people file for bankruptcy relief under the Bankruptcy Code.