FAQs

At Smith & Choudoir Law PLLC, we handle a variety of bankruptcy cases, including Chapter 7, Chapter 13, and Chapter 11 filings. Our attorneys have extensive experience in each bankruptcy chapter and can help you determine which option is most suitable for your financial circumstances.

Yes, we offer free initial consultations to discuss your financial situation and potential bankruptcy options. This no-obligation meeting allows us to assess your case and provide preliminary advice without any cost to you.

Determining if bankruptcy is right for you depends on your specific financial situation. During our consultation, we'll examine your debts, assets, income, and expenses to assess whether bankruptcy could provide the financial relief you need. We'll also discuss other possible options to help you make an informed decision about your financial future.

A bankruptcy filing typically remains on your credit report for up to eight years. The exact duration may vary based on the type of bankruptcy filed and other factors related to your credit history.

Filing for bankruptcy can often stop wage garnishments due to the automatic stay provision. This legal protection generally prevents creditors from continuing collection actions, including garnishments, once you've filed your bankruptcy petition.

Bankruptcy can potentially halt or delay foreclosure proceedings. By filing for bankruptcy, you may be able to temporarily stop the foreclosure process and explore options for keeping your home, such as reorganizing your mortgage payments through a Chapter 13 bankruptcy plan.

Filing for bankruptcy can usually prevent or delay vehicle repossessions. The automatic stay that takes effect upon filing can stop creditors from taking possession of your vehicle. In some instances, bankruptcy may also provide options for catching up on missed payments or restructuring your auto loan.