Bankruptcy Attorney
Hedtke Law Firm has decades of combined bankruptcy experience to help you during these difficult times. We want you to understand your legal rights and make sound decisions. Bankruptcy is the only opton that can stop foreclosure, silence harassing creditors and permanently eliminate your debt. With Chapter 7, most debts are completely discharged, while you keep your home and cars. Chapter 13 can let you arrange to make up the back payments on your home over time, without needing the bank’s approval. If you have received a Notice of Default and are facing foreclosure, don’t delay, contact us and speak to Hedtke Law Firm today. We can immediately stop your foreclosure while you stay in your home. Don’t be fooled by late night television advertising or slick marketing attempts, you need competent legal advice from an actual bankruptcy lawyer. We specialize in personal attention from your attorney each time you call. Hedtke Law Firm is here to help you every step of the way. We suggest you set a meeting with Hedtke Law Firm immediately to discuss your options. YOUR INITIAL CONSULTATION IS FREE. You have nothing to lose. WE CAN START YOUR CASE FOR AS LITTLE AS $99. Call for your Fresh Start today. Hedtke Law Firm is a Debt Relief Agency and we assist consumers in achieving a fresh start by filing for relief under the Bankruptcy Code. Hedtke Law Firm is standing by to answer your questions for free, 24 hours a day.
What is Chapter 7 Bankruptcy?
The goal for individuals who file Chapter 7 is to free themselves of debt through a bankruptcy discharge. Although businesses normally do not receive a discharge, corporations and partnerships may use Chapter 7 to liquidate and close their business.
What is Chapter 13 Bankruptcy?
Chapter 13 is for individuals with regular income who want to reorganize their financial affairs. The debtor proposes a repayment plan,
Bankruptcy Can
- Can immediately stop home foreclosure.
- Stops creditors from calling and harassing.
- Can discharge most if not all of your debt.
- Gives you a fresh start.
- Can cost less than a loan modification or credit counseling.
- Provides a permanent and lasting solution
Frequently Asked Questions
What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 bankruptcy allows you to eliminate most unsecured debts, like credit cards and medical bills, through a liquidation process. Chapter 13 bankruptcy involves creating a repayment plan to pay back some or all of your debts over three to five years. The right option depends on your financial situation, income, and goals.
Will filing for bankruptcy stop creditor harassment?
Yes, filing for bankruptcy triggers an automatic stay, which halts most collection actions, including phone calls, wage garnishments, and lawsuits. This gives you relief from creditor harassment while you work through the bankruptcy process.
Can I keep my house and car if I file for bankruptcy?
In many cases, you can keep your house and car by using bankruptcy exemptions, as long as you stay current on payments. Chapter 13 bankruptcy is particularly helpful for catching up on missed mortgage or car loan payments.
How does bankruptcy affect my credit score?
Bankruptcy will initially lower your credit score and remain on your credit report for 7-10 years. However, it also gives you a chance to rebuild your credit by eliminating overwhelming debt and starting fresh financially.
Am I eligible to file for bankruptcy?
Eligibility depends on factors such as your income, debt type, and financial situation. Chapter 7 has a means test to determine eligibility, while Chapter 13 requires a steady income to create a repayment plan. A consultation with an experienced bankruptcy attorney can clarify your options. Call us To Know More
Our clients thought
Caroline Rivas
The thought of bankruptcy is very overwhelming and stressful, but Neil made me feel comfortable. He was patient and walked me through the process. Not only was the process quick, his prices are very reasonable. I would recommend Neil and the Hedtke Law Group to anyone looking for an honest and reliable attorney. Thank you Neil for my fresh start!
Jodi Ashbrook
Sarah Williams
REQUEST A FREE CONSULTATION
GET YOUR FREE GUIDE
A Guide to Bankruptcy: Helping People Get Out of Debt: Learn about the types of bankruptcy, how the process works, and how it can give you a fresh start. With the right support and information, getting out of debt is not just possible—it’s your next step to a brighter future.”