Understanding Iowa Consumer Bankruptcy

There are different types of bankruptcies available for different needs. The two most common types of bankruptcies filed by individuals or small businesses are Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. I have been assisting clients in the bankruptcy process since 2004 and offer my clients the personal attention that you deserve and the competent and knowledgeable assistance that you need to navigate a bankruptcy filing. I know that the decision to file is a difficult and emotional one and I can help you find the balance.

Who Should File For Bankruptcy?

Almost every person carries debt in some type of fashion. This may be a mortgage on a house, a loan for an automobile, student loans, or credit cards. However, if you are facing foreclosure, repossession or wage garnishment, these may be likely indicators that there are not enough resources available to cover the debt without filing for bankruptcy.

If the amount that you are spending on your monthly expenses exceeds your monthly income, then a further analysis is warranted to figure out why this is occurring. Sometimes, a change in your monthly budget is enough to correct the problem. Other times, it is a deeper issue that may best be resolved with a bankruptcy filing.

Get The Fresh Start You Need Today

The hardest part of bankruptcy for most people is making the decision to file. Once they have crossed that threshold, everything seems to fall into place so that they can get out from under crushing debt and start with a clean financial slate. As a focused and experienced bankruptcy attorney, I can help. Call 712-847-5882 or send me a brief introductory email, and we can talk about your options.

I am a debt relief attorney. I help people file for bankruptcy relief under the Bankruptcy Code.