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Chapter 7 or Chapter 13?

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Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a form of debt relief intended to help honest individuals get a fresh start by discharging most debt. It is the most common form of bankruptcy. Chapter 7 bankruptcy is sometimes called “liquidation bankruptcy” because certain assets may be liquidated to repay creditors. However, chapter 7 bankruptcy is more commonly known as “fresh start bankruptcy” because the majority of debt discharged when filing chapter 7 is wiped clean without repayment or the liquidation of assets.

Benefits of Filing Chapter 7 Bankruptcy

  • • Become Debt Free!
  • • Find Relief from credit card debt, personal loans, or medical bills
    • Stop wage garnishment and collection efforts
    • Discharge your debt in as little as 3 months
    • Keep your property through legal exemptions
    • Improve your credit score and eligibility for loans in the future

Will filing for bankruptcy get rid of all my debt?

Chapter 7 discharges (get rid of) most unsecured debt. This is why its commonly referred to as a “fresh start” bankruptcy. Once you have filed for bankruptcy, the courts will discharge your unsecured debt freeing you to move forward with your life.

What debts are discharged in Chapter 7 bankruptcy?

A chapter 7 filing relieves a person from having to pay for most unsecured debts, such as credit card balances, medical bills, and most court judgments.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a form of debt forgiveness intended to help individuals who are behind on payments, such as their car or mortgage payments. Unlike chapter 7 bankruptcy (which discharges debt) Chapter 13 bankruptcy restructures a person’s debt with a repayment plan, allowing them to repay a portion of their debt over a period of 3 to 7 years, and can also discharge or reduce unsecured debts. Once the plan payments are completed, the debtor will receive a discharge of almost all liabilities and will be able to keep his or her property.

What are the Benefits of Filing Chapter 13 Bankruptcy

  • Stop foreclosure proceedings immediately
  • Stop repossessions
  • Keep all of your assets
  • Prevent interest from increasing on tax debt
  • Eliminate second and third mortgages
  • Stop collections against your co-signers
  • Get out of Tax debt
  • No student loan payments are required while in chapter 13 bankruptcy

How does a Chapter 13 Bankruptcy plan work?

During Chapter 13 bankruptcy a petitioner must submit a repayment plan to the Court. Chapter 13 plans are complex and require the expertise of a qualified Washington State bankruptcy attorney to ensure your repayment plan is accepted by the Court and that your plan provides you with the most strategic repayment arrangement available. Typically, chapter 13 plans contemplate monthly payments made directly to a trustee. The trustee then disperses the money to creditors in accordance with the Bankruptcy Code. Depending on your circumstances, the repayment plan spans 3 to 7 years. Once a chapter 13 plan is completed, your debt is discharged.

RANDALL & WALDNER, PLLC - BANKRUPTCY LAWYERS IN VANCOUVER WASHINGTON

Putting your faith in a law firm should not be something that you do carelessly. At Randall & Waldner, PLLC, we have the credentials that assures that you are in the best hands possible. Should we agree to take your bankruptcy case, you can be confident that it will be given the highest priority from start to finish to reach the optimum result.

The Law Firm of Randall & Waldner have more than 40 years of combined experience to place at your disposal in the expectation that you will join the hundreds of happy clients that they have served over the years. If you are serious about having your legal needs serviced by one of the best firms in the United States, you need only look as far as Vancouver’s bankruptcy lawyer Randall & Waldner, PLLC.

William Waldner Featured In Forbes

William-Waldner (1)

William Waldner

Forbes Councils Member | COUNCIL POST

There are a number of options that can help get you and your business get through to brighter times.
Bankruptcy is never ideal. But even when the situation seems most dire, you do have options, and you are in control.
Even when working with a lawyer and accountant, there are some preliminaries you can consider on your own to prepare yourself for those conversations and help your professionals give you the best advice possible.

Client Success Stories

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5 Star Reviews

Diane Evans

Diane E.

WOULD HIGHLY RECOMMEND HIM TO ANYONE IN NEED OF SUCH SERVICES.

I worked with William on an extremely difficult and stressful bankruptcy case. William is terrific! Responsive and caring attorney who got a very bizarre situation resolved for me, was able to work with my mortgage company and get me my life back! Even long after my case was discharged he continues to be there for questions and support to the point where I now consider him a treasured college and dare I say friend. Very knowledgeable in bankruptcy law, super communicative and caring.

Rohan M

Rohan M.

I WAS VERY SATISFIED AND WOULD HIGHLY RECOMMEND YOUR LAW FIRM.

With my experience, you've done a great job, everything went quickly and Smooth. Your explanation and guidance was clear and very easy to follow. I was very satisfied and would highly recommend your law firm.

Luis T.

Luis T.

I WOULD HIGHLY RECOMMEND HIS SERVICES TO ANYONE.

My experience with the Law Office of William Waldner was extremely beneficial. The process for me was frightening at first but Mr. Waldner made me feel at ease. It was a great experience during which he helped me by explaining everything clearly, working with me on payments, which were affordable. The entire atmosphere was professional, quick and efficient. Everything was fast and simple and I would highly recommend his services to anyone.

Chris Z

Chris Z.

IN MY OPIONION HE IS THE BEST.

I finally found an honest, experienced and affordable attorney in NYC. I Interviewed a few dozen before I found Mr. Waldner and in my opinion he is the best.

Shawn H.

Shawn H.

WOULD HIGHLY RECOMMEND HIM TO ANYONE IN NEED OF SUCH SERVICES.

My experience with William Waldner was more than excellent - it was fantastic! From my first consultation meeting to the actual hearing, he always made me feel at ease and gave me all the information and tools I needed to feel 100% confident that my case would be a slam dunk. He was attentive and had genuine interest and concern for my individual case, while at the same time managed to be efficient and respond to my questions and concerns very quickly. All of this being said and after much research into other attorneys, his fee was very reasonable. With William's help, I can now focus on my future and I am on track to achieve financial freedom.

Steven S.

Steven S.

WOULD HIGHLY RECOMMEND WILIAM WALDNER.

I assisted a close friend during her bankruptcy experience and discovered the William Waldner office in midtown Manhattan. Mr Waldner thoroughly explained the bankruptcy process, reviewed options and patiently walked her through the process. He is a highly skilled professional, client focused and accommodated my friend, who is plagued with health problems. We highly recommend William Waldner.

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