Debt Relief Through Chapter 7 Or Chapter 13 Bankruptcy
When you are deep in debt, the stress is constant and the creditors circle ever closer. The Ingram Firm, L.L.C. can help you reduce debts or wipe the slate clean through bankruptcy. Many people find it hard to take this first step, but once you complete the process you can breathe again and lay the groundwork for a better life and more stable financial future.
Our Columbia firm has helped many people in Maryland and the D.C. Metro get a fresh start through Chapter 7 and Chapter 13 bankruptcy Call 410-541-1570 today to arrange your free consultation.
Do You Qualify For Chapter 7 Discharge Of Debts?
Chapter 7 bankruptcy eliminates your unsecured debts, such as medical debt, credit card balances and utility bills. From the day you file for relief, creditors must stop the harassing phone calls and halt all collection efforts such as wage garnishment. Those debts are permanently canceled.
What’s the catch? In exchange for discharging your debts, you might have to surrender some assets. However, most of our Chapter 7 clients are able to keep everything, including their home equity, their vehicle and their retirement savings. As an experienced bankruptcy lawyer, Damani Ingram knows how to purge the maximum amount of debts while exempting as much property as possible. He can determine if you quality under the Chapter 7 means test (income threshold).
Mr. Ingram will prepare you for your bankruptcy hearing so there are no surprise questions and you can put forth the best representation of yourself.
Are You A Candidate For A Chapter 13 Repayment Plan?
Chapter 7 may not be an option if you earn too much, if you would forfeit a lot of assets, or if you are behind on your mortgage or car payments. Under Chapter 13 bankruptcy, you get immediate relief from creditor actions and you pay back part of your debts over several years. Chapter 13 can stop home foreclosure and vehicle repossession, buying you time to make up the arrears. Mr. Ingram will make sure that your monthly payments under the plan are realistic for your budget.
Is Your Small Business Struggling Because Of Debts?
Damani Ingram also helps business owners in Maryland and the District of Columbia file for creditor relief and reorganization under Chapter 11 bankruptcy. Mr. ingram can help you analyze your situation and present an acceptable plan to the committee of creditors that will allow your business to get back in the black.
An Experienced Bankruptcy Attorney Who Cares
Your future is important to us. We want to help you get out of debt and get the creditors off your back. Arrange a free consultation with Damani Ingram to explore Chapter 7 bankruptcy or Chapter 13 bankruptcy. Call our Columbia law office at 410-541-1570 or contact us online. We look forward to helping you take advantage of this opportunity to start fresh.