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Gordon Delić & Associates can represent you throughout bankruptcy, from the beginning of the process and all way through the end. We’ll help you understand the process and risks of bankruptcy before you begin. We will also help with filing the correct documents, represent you at your court hearings, and advise you on how to get the best possible outcome. 

Contact us if you’d like to learn more or schedule a risk-free and confidential consultation.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy can discharge most unsecured debts including credit card debt, medical bills, and some personal loans.  However, there are some debts that aren’t dischargeable. Non-dischargeable debts include child support, court fees, some tax debts, most student loans, homeowners associations’ fees, some personal injury debts, and court fines. In some cases, certain property can be liquidated to pay a portion of your debts.

Chapter 11 Bankruptcy

A Chapter 11 Bankruptcy allows struggling businesses or individuals who cannot file a chapter 13 to restructure their finances. In the Chapter 11 case, the debtor files a restructuring plan with the court, which must be accepted by creditors and approved by the court. Chapter 11 bankruptcy is available to individuals and business entities such as partnerships, limited liability companies, and corporations.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy, also known as reorganization bankruptcy, allows you to keep your personal property if you successfully complete a court-mandated repayment plan that lasts between three and five years. Under the repayment plan, the debtor makes payments to a court-appointed trustee, who distributes payments to creditors. The total amount paid to creditors under the Chapter 13 plan must be at least as much as creditors would have received if the debtor filed a Chapter 7 bankruptcy.

Upon completion of the repayment plan, your dischargeable and unpaid debts are discharged. Debtors usually file for Chapter 13 bankruptcy if any of these three conditions are true:

  • They don’t qualify for Chapter 7 bankruptcy
  • They are facing foreclosure or repossession
  • Their assets are worth more than the available exemptions.

Businesses are not able to file Chapter 13.

Schedule your free consultation today!

Telephone: (208) 900-9509

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