Most people that file bankruptcy are able to keep their possessions.

At Harold Shepley & Associates, our costs are all-inclusive.

• No hidden fees
• Lowest payment plans in the state
• Filing fees included
• Free consultation
• No travel required

The moment a bankruptcy case is filed it triggers the “automatic stay.” This STOPS creditors DEAD in their tracks!

• Harassing calls must stop
• Lawsuits cannot be filed or pursued
• Repossession activity must stop
• A foreclosure sale cannot proceed
• Utility shut offs cannot occur

It is a powerful tool for individuals facing difficult financial times.

Most individuals will attend one meeting with one of our attorneys and a Trustee assigned to their bankruptcy case. Currently, meetings are being conducted from the privacy of your own home via telephone or computer.

Our clients typically attend only one meeting, called the Meeting of Creditors, during the course of a bankruptcy case.  This meeting is a critical part of the bankruptcy case and it provides an opportunity for the Trustee to ask questions and review the assets, debts, and financial circumstances to determine whether the case should be permitted to proceed routinely. The meeting is scheduled by the Bankruptcy Clerk’s Office after the case is filed.  It will be scheduled approximately 20-30 days after the case is filed.

Whether a case is a Chapter 7 or Chapter 13, the basic steps in the process are the same.  Generally, a Chapter 7 bankruptcy case will take approximately 4 to 6 months from the date when the case is filed until the case is closed.  A Chapter 13 case will typically last 36 to 60 months from the date of filing.

Yes and no.  A bankruptcy case will eliminate debts such as credit cards, medical bills, personal loans, and past due utility bills.  However, it will not eliminate your mortgage and car payments.  If you want to keep the property, you will need to maintain the payments.