Bankruptcy

People facing financial difficulties and considering bankruptcy often feel embarrassed or ashamed of the situation in which they find themselves. The word “bankruptcy” often carries with it many negative connotations that people may take personally. The truth is that bankruptcy exists to allow people who have gotten into serious financial trouble an option through which they can restructure or discharge their debt in order to start over. This provides the debtor an option other than continuing to be in the cycle of debt where paying one debt often means falling behind on another.  At the Westbrook Law Group, you will feel comfortable and understood.  In fact, most of Brent’s clients are forced to file for one of three reasons: (1) medical bills, (2) loss of job/income, or (3) divorce.  In this economy, many people who have been productive members of society for years are for the first time in their lives experiencing a situation where they cannot meet all their obligations. We are here to help give you and your family a fresh start. We practice primarily in the areas of Chapter 7 and Chapter 13 Bankruptcy. Please click one of the links below to learn more about the benefits of bankruptcy under each chapter.

•    Chapter 7  – also known as a liquidation bankruptcy – rather ironically.   This is because the vast majority of chapter 7 filers keep all of their assets.  The debtor receives a discharge of all dischargeable debts in a Chapter 7 bankruptcy.
•    Chapter 13  – is also called a reorganization bankruptcy. Filed by people who want to prevent foreclosure, or are required by the level of their income to pay their disposable income to their creditors for 3-5 years.  Chapter 13 can also help debtors keep property that they might lose in a chapter 7.

Other issues that bankruptcy can provide relief in are repossessions , foreclosures , bank levies , garnishments , or liens.

Experienced Bankruptcy Attorneys Providing a Fresh Start

At the Westbrook law group, you will receive one-on-one attention and have your case evaluated at no charge by an experienced bankruptcy attorney. Your initial consultation will be free, and all we need is a general understanding of your financial situation in order to make a recommendation. You do not need to bring any documentation to your initial consultation. In order to schedule your free case evaluation, contact The Westbrook Law Group at (636)-493-9231 or through our contact form on the right.