Bankruptcy is an ever-changing field of law that has always presented a variety of obstacles and hoops for financially-strapped individuals to jump through. With the major changes brought about to the bankruptcy code in 2005, filing for bankruptcy is more complex than ever.
As an experienced Albuquerque, New Mexico bankruptcy lawyer, I can help you navigate the complexities of the bankruptcy code and help you determine the best type of bankruptcy to file for your situation. Chapter 7 bankruptcy is the least expensive type of bankruptcy, but not everyone qualifies to file this type of bankruptcy. I will thoroughly evaluate your situation through “means” testing to help you determine your eligibility for discharging your debt through Chapter 7.
When you are facing financial difficulties, it is a good idea to contact an Albuquerque, New Mexico bankruptcy lawyer like me before things get too far out of control. Sometimes, bankruptcy is not the best option and I can help you understand the various options available to you to avoid bankruptcy and protect your assets.
For individuals who qualify to file Chapter 7, I will process your filing for a flat rate. This enables you to know exactly what you’re paying up front. I know that you are facing difficult times financially, so you can pay me in whatever installments you can afford; however, I will not be able to file your case until I have been paid in full. If bankruptcy attorneys are not paid in full before they file your bankruptcy, they become your creditor and the fee will be discharged in bankruptcy.
Bankruptcy Information Center
Chapter 7 – An Overview
Chapter 13 – An Overview
The Automatic Stay – How You Are Protected in Bankruptcy