Topeka Chapter 7 Bankruptcy Lawyer

Rebuilding Credit & Restoring Lives for 10+ Years. Call (888) 253-4526

Our team at Garrett Law LLC knows how difficult times can be when the economy takes a downturn. For the working and middle class, the struggle can be particularly hard on their families. If you are facing significant debt and you are struggling to make even minimum payments, there is hope. Filing for Chapter 7 bankruptcy is not a sign of defeat – it is a way to find debt relief, hope, and peace of mind!

Why Choose Our Topeka Chapter 7 Bankruptcy Law Firm?

We are backed by more than a decade of experience.
We solely practice bankruptcy.
We put an immediate stop to collection activity & creditor harassment.
We provide you with the personal attention your case deserves.

Speak with our Topeka Chapter 7 attorney to learn if filing for bankruptcy is right for you. We offer free case evaluations - call (888) 253-4526 to learn more!

What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is also known as liquidation bankruptcy. This process eliminates all unsecured debt and may allow you to keep other types of secured debt, including a car loan or a mortgage. But not everyone will qualify for Chapter 7 bankruptcy.

For an individual to be eligible, they must pass the Chapter 7 means test. This test measures your family's household income with the state median. Only families with household incomes less than the median will be allowed to file.

Our Comprehensive Chapter 7 Filing Process Includes:

Meeting with our firm for a comprehensive consultation to gather creditor and collection agency information and all necessary paperwork
Completing pre and post-filing counseling classes
Filing the bankruptcy with the right court
Scheduling and attending creditor meetings
Protecting you against creditor harassment
Planning out your finances for life after bankruptcy

For the fresh start you have been looking for, retain a knowledgeable attorney from our law office. We can make the Chapter 7 bankruptcy process much simpler and less intimidating.

Don't believe the bankruptcy myths that creditors want to tell you! Learn the real facts here.

What Can Chapter 7 Do For You?

Chapter 7 bankruptcy is the option most people can identify. It is an effective tool to discharge your debts.

When you file your petition and the Court grants your discharge, this happens:

Dischargeable debts go away. These are typical “everyday” unsecured debts such as credit cards, deficiencies on repossession, medical bills, back rent from an old lease, civil judgments, and personal unsecured loans.
Nondischargeable debts remain after the Chapter 7. They stick around, and you continue to deal directly with the creditors. Typical debts not discharged in a Chapter 7 include recent back taxes, student loans, criminal fines and penalties, and back child support.
Late breaking news: there is new hope for student loans. Recent regulations have streamlined the process for the Court to review your student loans, and have loosened the rules that allow discharge. The Department of Justice has just released these guidelines, and we are reviewing to see what opportunities this change offers.
Secured Debts go away if you surrender the collateral. Alternatively, you may keep the collateral and pay the debt. You make a budgeting decision as much as a bankruptcy decision. This may be your opportunity to give back an expensive car or boat and lighten your financial load! The choice is yours.
Under the Kansas exemptions, you will be able to keep most, or all, of your property. The exemptions protect your equity in your homestead, your daily vehicle, personal effects, retirement accounts, and most of what else the typical Kansas family owns. You and I will talk about any non-exempt property – firearm collections, jet skis, Harleys, rental properties, and the like. We may pay a percentage of the property’s value, sell it before we file and spend the money, or file a Chapter 13 instead.

Your Chapter 7 will quickly, cheaply, efficiently, and massively improve your financial health. It is, however, a “one size fits all” solution. If you need more flexible options in handling your property and creditors, you may consider a Chapter 13 filing. You and I will evaluate both Chapters to see which is right for you.

What next? Review the Chapter 13 section on our website. If you want a “sneak peek” of the process, browse through our typical process for Chapter 7.

When you are ready, call us at (888) 253-4526 or complete an online form and we will set up a free consultation with Shannon Garrett, our attorney.

Frequently Asked Questions About Chapter 7 Bankruptcy

How can our firm assist you with the Chapter 7 filing process?

Our firm can guide you through the Chapter 7 filing process, which includes meeting for a comprehensive consultation to gather creditor and collection agency information and all necessary paperwork, completing pre and post-filing counseling classes, filing the bankruptcy with the right court, scheduling and attending creditor meetings, protecting you against creditor harassment, and planning out your finances for life after bankruptcy.

Do I need to meet specific criteria to qualify for Chapter 7 bankruptcy?

Yes, to qualify for Chapter 7 bankruptcy, you must pass the Chapter 7 means test, which measures your household income with the state median. Only families with household incomes less than the median will be allowed to file for Chapter 7 bankruptcy.

Can I retain my property if I file for Chapter 7 bankruptcy?

Under the Kansas exemptions, you will be able to keep most, or all, of your property. The exemptions protect your equity in your homestead, your daily vehicle, personal effects, retirement accounts, and most of what else the typical Kansas family owns. Non-exempt property, such as firearm collections, jet skis, Harleys, and rental properties, will be discussed with your attorney to determine the best course of action.

Should You Choose Chapter 7 Bankruptcy?

The most immediate form of relief with Chapter 7 bankruptcy comes with the automatic stay. This means the moment you file for bankruptcy, creditors and collection agencies are legally required to cease contact and collection attempts.

Chapter 7 also allows you to discharge certain forms of debt. The most common types of dischargeable debts include credit cards, medical bills, and payday loans. These debts are fully eliminated in the bankruptcy process.

The Difference Between Chapter 13 and Chapter 7 Bankruptcy

Chapter 13 bankruptcy allows you to create a payment plan for certain debts while also providing protection from the bankruptcy court. This more elaborate process may not be right for you or your situation. This type of bankruptcy still involves paying off past debts, albeit over a longer period of time.

Chapter 7 bankruptcy can allow for certain debts to be completely discharged. These include:

Credit card bills
Medical bills
Back rent from an old lease

What Happens After Filing for Chapter 7 Bankrupcty?

Immediately after filing for bankruptcy, you will receive the benefits of the automatic stay. In the vast majority of cases, it can take approximately three to four months to complete the bankruptcy process for Chapter 7.

At the end of the process, your eligible debts will be discharged by the court. The public record of a Chapter 7 bankruptcy will stay on your credit report for ten years. However, other bankruptcy references, including many of the debts discharged through that bankruptcy, will only stay on your report for seven years.

Schedule a Free Case Review With Our Topeka Chapter 7 Bankruptcy Attorney!

Our lawyers offer consultations both over the phone and in person, and evening and weekend appointments are available for your convenience. We are prepared to set you up for a brighter, more fruitful financial future. To obtain counsel from an experienced Topeka bankruptcy attorney, contact Garrett Law LLC.

For a completely free, no-obligation initial consultation on whether filing for Chapter 7 is right for you, call us today at (888) 253-4526.

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Real Stories From Clients Who Found Financial Freedom

"A delight to work with!"
The group in this office were a delight to work with. If I had a question and called the office which ever one of the group answered the phone they were always answered my question and believe when you are a Senior you have a lot of dump question. I have never worked with a nicer group of people

- D.C.
"We had a wonderful experience with Garrett Law!"
We had a wonderful experience with Garrett Law! Definitely would recommend. Mr Garret and his staff are very knowledgeable and caring definitely make the process easy and painless! Highly recommend

- B.H.
"Garrett Law is amazing!"
Garrett Law is amazing! Very professional, kind and educated staff. Going into a bankruptcy is never easy for anyone. I had a very dear friend recently go through it, and used Garrett Law. It was very frustrating and the unknown for him was fearful. After his first visit with them, all of that was lifted off his shoulders. From the pleasant greeting at the receptionist desk, to the legal paperwork, everything was handled with great care. He was never once judged nor looked down upon. They are all truly there to make peoples life better, and they show you how! He is more responsible now, less stressed. It is sooooo great to see that my friend is back and happy! I know he will forever be grateful for all they have done for him and his future.

- L.R
"Highly recommend them!!"
Absolutely enjoyed working with Garrett Law, him and his staff were wonderful through the process and very knowledgeable.

- B.H.
"I would recommend this firm to anyone"
They are always an email away to answer any questions. I would recommend this firm to anyone filing bankruptcy.

- Former Client
"Very calm, informed and easy to understand"
I simply had a question regarding an investment property I had and what would be my best solution to a problem as it was becoming more and more of a financial burden. Shannon answered my questions and pointed me in a better suited direction. Very calm, informed and easy to understand. He did not try to get me to agree to services I didn't need rather helped how he could and offered his assistance should I need it in the future.

- D.H
"I was treated with dignity and respect and it really helped me to learn to hold my head up high."
Shannon and his staff made something that is extremely stressful, much less stressful. I was treated with dignity and respect and it really helped me to learn to hold my head up high. Thank you, Shannon and staff for helping me get back on the road to financial independence.

- R. F.
"Goes above and beyond to provide great value for clients"
Shannon Garrett is my go to referral for Bankruptcy Cases in Topeka. He really goes above and beyond to provide great value for clients. Anyone who chooses Shannon to represent them has made a great choice.

- J.J

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