Help from an Accomplished Weirton, WV Chapter 7 Bankruptcy Attorney
Know your options and your rights
Chapter 7 bankruptcy is an option for individuals and families in financial crisis. The goal of Chapter 7 is to give you a fresh start by relieving most of your debt through asset liquidation.
My experience as an Ohio, Pennsylvania and West Virginia Chapter 7 bankruptcy attorney can make a world of difference in navigating each step of filing Chapter 7 bankruptcy, including:
- Determining your eligibility
- Scheduling required credit counseling (attorney code 562561) from an approved credit counseling agency
- Compiling information on your assets and liabilities, debtors and other important documentation
- Filing a petition
How do you know if you are eligible for Chapter 7 bankruptcy?
If you are considering filing for Chapter 7 bankruptcy in West Virginia, Ohio or Pennsylvania, your income level determines your eligibility. If your current monthly income is less than the median for your state, you are eligible. If it is more, you need to take the bankruptcy means test to determine whether you can file for Chapter 7 bankruptcy or consider Chapter 13 bankruptcy as a better option.
I am Roger A. Isla and as an established Weirton bankruptcy attorney serving clients here and in the Weirton, WV area, I understand how intimidating this process can be. I am well versed in means test calculations and can quickly help you determine your eligibility.
Will you be able to keep any of your property?
Federal Chapter 7 bankruptcy laws do allow you to protect some personal property from your creditors. Pennsylvania residents have the option to choose either the state’s bankruptcy exemptions or the federal government exemptions based on a person's individual situation, while West Virginia and Ohio filers must follow the state exemptions. Exempt property may include:
- Equity in your primary home
- Household items
- Life insurance and disability benefits
- Retirement funds
The best way to determine the property that you will be entitled to keep is to review your unique circumstances with a Chapter 7 bankruptcy lawyer. In Weirton, Steubenville and throughout the tri-state area, Isla Law Offices can help you today.
Get the bankruptcy guidance you need in the tri-state area
Chapter 7 can be your way out of overwhelming debt. Make an appointment for a free consultation with me, attorney Roger A. Isla, at our Weirton office at 304.914.3573 or contact Isla Law Offices online. Before your visit, I will let you know what materials to bring that will allow me to effectively assess your bankruptcy options. Our office is conveniently located in downtown Weirton and is accessible from anywhere in the West Virginia panhandle, eastern Ohio or western Pennsylvania.