When you need a bankruptcy lawyer, you can count on the Law Offices of James G. O'Rourke to guide you through a process that’s often difficult, complex, and filled with opportunities for wrong turns. We’ve been in business for more than 30 years and even featured on 48 Hours, and we have a reputation for reliability and accommodation that simply can’t be beat. At our firm, we understand that challenging financial issues can happen to anyone, at any time.
There’s never a one-size-fits-all solution for a bankruptcy case. Every case and every client brings different problems and opportunities to the table, and you have to consider how filing can help your particular situation. Our firm can help you decide whether filing for Chapter 7 Bankruptcy or filing for Chapter 13 Bankruptcy is the best option for you.
Most people prefer to file for Chapter 7 Bankruptcy over Chapter 13 Bankruptcy, but the problem is that not everyone qualifies for Chapter 7 bankruptcy.
Chapter 7 is more commonly known as straight bankruptcy or liquidation, and is usually quicker than Chapter 13, and you get to keep all or most of your property. In order to qualify for Chapter 7, you must take the bankruptcy “means test” and see if your income is low enough to file. If you don’t qualify, Chapter 13 is still a viable option to repay a portion of your debts. Under Chapter 13 bankruptcy, you make monthly payments over a 3 to 5 year period based on a budget monitored by the government, whereas Chapter 7 requires no repayment.
Tax Lawyer- If you qualify, we can show you how to discharge overdue State and Federal Taxes utilizing Chapter 7 and Chapter 13 bankruptcy.
Our firm can guide you through either the Chapter 13 or Chapter 7 process. Chapter 13 isn't for everyone, and there are numerous factors to consider. No matter your situation, you can always be confident the Law Offices of James G. O'Rourke will provide honest legal counsel to help with your debt problems.
Retaining the help of a skilled bankruptcy lawyer can make all the difference in the world when it comes to negotiating a settlement you can live with. When you entrust your case to the Law Offices of James G. O'Rourke, you have the perfect mixture of training, experience, and compassion on your side. This combination enables you to receive the maximum benefit from your bankruptcy proceedings. Call today to schedule your free consultation, and leave behind the stress and worry of unmanageable debt for good.