We understand that when you are considering bankruptcy, you have run out of other options. As if that was not stressful enough, changes to the law intended to prevent serial filers and bankruptcy abusers also hurt innocent debtors like you by complicating the process significantly.

While filing a bankruptcy case does not require you to have an attorney, finding yourself in a situation where you need to amend your bankruptcy paperwork means dealing with even more difficulty and suspicions about your claims. This is why it is important for you to have us by your side so we can do it right the first time.

At Baird Law, you’re not just another file folder or a collection of documents. We will sit down and talk with you to hear your story and use what you share with us to help you get through the sometimes overwhelming process of bankruptcy. It’s our goal to see you through the process in a way that’s both as painless and easy as possible.

Bankruptcy Services We Provide

Chapter 7

Chapter 7 bankruptcy, also known as “liquidation,” allows the bankruptcy trustee to liquidate your assets to satisfy as much of your debt as possible and then forgive the rest. However, this doesn’t mean you will lose everything you own as you are able to keep all your basic necessities, as well as a number of other items, after the bankruptcy is over.

This type of bankruptcy is often recommended for individuals with high credit card debt and a limited amount of assets.

While it can be tempting to use online advice or a low-cost online bankruptcy preparation service to prepare and file your bankruptcy, doing so greatly increases the risk that something will be done wrong and your bankruptcy case will be dismissed. Once your first bankruptcy case has been dismissed, you lose a number of legal protections against creditors when you file bankruptcy for the second time. With our assistance, not only will your bankruptcy be prepared correctly, but we will also represent you throughout the process and provide you with valuable advice for moving forward with your financial life during and after bankruptcy. Schedule your free consultation today.

Chapter 13

Chapter 13 bankruptcy, also known as the “repayment plan,” allows individuals to arrange a repayment plan that spans anywhere from 2 to 5 years. Under this chapter, your remaining debts will be forgiven upon successful completion of your repayment plan. Chapter 13 also allows you to keep more of your assets than you would in Chapter 7.

This is recommended for individuals with a regular income who also do not qualify for Chapter 7 filing. Chapter 13 bankruptcies are very paper intensive and require extensive disclosure of financial details. Because of the level of complexity involved, it is usually not recommended that you attempt one without the assistance of a lawyer.

Whether you are looking to file Chapter 13 or convert your Chapter 13 to Chapter 7, contact us today for your free consultation.