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Bankruptcy
Both individuals and businesses may find themselves unable to pay their debt when it becomes due. When that happens, their credit rating is substantially reduced; they may be subject to potential lawsuits that lead to judgments and garnishments.
Businesses may also be at risk of losing all of their assets and individuals may be at risk of losing their homes and property. At Kleyner Law Offices, we work together with our individual and business clients to help them avoid losing everything and provide them with an opportunity to have a fresh start.
Bankruptcy provides a means for individual debtors to obtain a fresh economic start in life by relieving them of their burden of debt and generally permitting them to retain most of their property. Debt relief is implemented through bankruptcy discharge and retention of property is implemented by the availability of federal or state exemptions.
Chapter 7 (Straight Bankruptcy)
Chapter 7 Bankruptcy is the most common form of bankruptcy  protection  and  it  is  available  to  anyone  who
meets certain eligibility requirements. Subject to few exceptions, Chapter 7 bankruptcy discharges virtually all of debtor's unsecured debt. Unsecured debt may include credit cards, medical bills, collections, negative equity in a motor vehicle or house (many times after a repossession), and any other debts that do not have collateral attached to them. By discharging these debts in a Chapter 7 bankruptcy, our clients are able to get a fresh start and begin rebuilding their financial independence.
For additional information or to determine your eligibility, please contact our office for your free initial bankruptcy consultation.
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