Bankruptcy Services

Hishaw Law provides bankruptcy services and offers a holistic approach to debt relief and wealth creation. Allow Hishaw Law to be your stress reliever by filing your Chapter 7 or 13 bankruptcy petition .Garnishments, medical and credit card debt can all be eliminated by filing a Chapter 7 petition.

“I hired Ms. Hishaw as my attorney for a Chapter 7 bankruptcy. Ms. Hishaw maintained her professionalism to the highest standards in every communication, yet remained accessible and approachable. Her knowledge of the bankruptcy proceedings is complete. Her exceptional attention to detail made the complex process flow without a hitch. ”

— K. Jones 2023 Bankruptcy Client

Chapter 7 - $1800 (Attorney Fees)

In a Chapter 7 bankruptcy, once your bankruptcy paperwork is filed your creditors they will not have access to any of your income while your case is pending.

Typically a discharge is received within 4 to 6 months after filing. You are restricted to filing bankruptcy every 8 years. Some property like household items, pension, life insurance and more cannot be confiscated by creditors depending on state bankruptcy law.

Student loan debt, back taxes, and child support are considered non-exempt and cannot be eliminated in bankruptcy. If the Bankruptcy Trustee (Judge) discovers the debtor is hiding or transferring assets your bankruptcy will not be accepted. The Bankruptcy Court fees are an additional $338. Please read the following bankruptcy disclosure that outline your rights in filing bankruptcy. All disclosures must be read prior to becoming a client of Hishaw Law. We will explain the disclosures in detail during our initial consultation again once payment is executed. Please click on the bankruptcy disclosures tab or complete our intake form.

If you cannot afford legal services, please reach out to the National Consumer Bankruptcy Rights Center: https://www.ncbrc.org/tag/homepage/request-assistance/

Chapter 13 - Fees May Vary

If you are behind on your mortgage payments, the bank has accelerated the loan or you are facing a pending foreclosure you should consider filing a Chapter 13 bankruptcy. This type of bankruptcy can be confusing but we at Hishaw Law are here to help.

Chapter 13 will allow you to get court protection stopping the bank from foreclosing on your home within seconds of filing the bankruptcy documents in Court. The Court will allow you to pay your past due mortgage payment and debt through an approved payment plan with all of your creditors not just the mortgage lender. Once the court approves your plan, you will have to make timely payments over a 3 to 5 year period. According to the US Bankruptcy Code 11 U.S.C. § 109(e) as long as you do not owe more than $2,750,000 dollars you qualify to file a Chapter 13 bankruptcy. Unlike a Chapter 7 which requires that you go through a qualification process and live below the poverty line. Chapter 13 does not require you to live below the county poverty line. You must pay a $313 filing fee in addition to attorney fees. To learn more please read through our bankruptcy disclosures, complete the intake or contact form. You can also contact us by phone or email to schedule a consultation. We look forward to hearing from you.