Filing for Chapter 7 Bankruptcy in Wheeling?

Our Wheeling Bankruptcy Lawyer is Here to Help –
Call (888) 624-3179

Are you involved in financial circumstances that are difficult to endure? At
Thomas E. McIntire & Associates, LC, we can help you assess all of your options and determine whether Chapter
7 bankruptcy is right for you. Our
Wheeling Chapter 7 bankruptcy attorney is primarily concerned with protecting your rights, interests, and finances
for the long-run.

Speaking with a legal professional could be the first step toward obtaining
a fresh start.
Call our Chapter 7 bankruptcy lawyer in Wheeling at (888) 624-3179 today.

Is bankruptcy right for me?

If creditors are targeting your home, your wages, and your bank accounts,
you may want to consider Chapter 7 as an option for debt relief. It is
the most common chapter of bankruptcy and is suited to individuals who
are burdened by overwhelming debt that makes it impossible to bring their
accounts up to date.

Generally speaking, Chapter 7 bankruptcy can help eliminate the following debts:

• Credit card debts
• Personal debts
• Some tax debts
• Other secured debts

To prove eligibility for this chapter of bankruptcy,
you will need to pass the means test, which evaluates your income and expenses to determine your ability to
make regular payments. The test is simply a calculation that compares
your household income to the average income in your area.

If your income is above the average, then we will do an exhaustive analysis
to see whether you can still qualify for Chapter 7 or whether
Chapter 13 bankruptcy may be a better option for you.

Understanding the Chapter 7 Process

In a Chapter 7 bankruptcy, your nonexempt debts can be discharged. Typically,
our Chapter 7 clients do not lose assets in this bankruptcy process. We are able to protect your assets and eliminate credit card debt, personal
loans, and medical debt. If you are in West Virginia and need legal guidance
for this process, we encourage you to contact our Wheeling bankruptcy
attorney at once.

Prior to filing your bankruptcy petition, you will need to complete a credit
counseling course online. The informational course can be completed at
your convenience in your home or office. It is nothing to be embarrassed
by or fear.

When filing for Chapter 7, the process typically looks like the following:

1. You (the debtor) file a Chapter 7 petition
2. You receive a notice from the court regarding your hearing
3. You need to attend a bankruptcy court hearing 30 – 45 days after filing
4. Bankruptcy discharge in a Chapter 7 case will occur 2 months after the
   date of the hearing

At Thomas E. McIntire & Associates, we are prepared to help our clients
navigate their cases successfully. If you are interested in learning more
about how we can help you navigate your case, we can provide you with
a free case evaluation.