Providing Help With Bankruptcy for Over 25 Years

If your debts have gotten out of control, bankruptcy may be the right choice for you and your situation. You need an experienced attorney to help you determine if bankruptcy is the best course, or if there are other options. That's why clients have trusted Harness Law Office LLC for over 25 years with their bankruptcy needs. 75 percent of our practice involves Chapter 7 or Chapter 13 Bankruptcy cases. 

Also known as a liquidation bankruptcy, Chapter 7 allows you to get rid of your unwanted debts so you begin to rebuild your financial life. The Court will resell your non-exempt property and discharge your unwanted debts such as credit cards, medical bills, repossessions, personal loans, wage garnishments, and more. In some situations, you may be able to keep a home or an automobile as long as you continue to maintain on-time payments on it. The process usually takes about 100 days from filing to completion.

Chapter 13 is also known as debt repayment or debtor in possession bankruptcy. You are required to make monthly payments on debts over a 3- to 5-year period. You are also allowed to keep your property. This is usually an option taken by people who can handle making monthly payments but cannot pay unsecured debts such as credit cards. Often people file for Chapter 13 when they've suffered a temporary loss of income that has left them behind on house or car payments.