Bankruptcy Law at the Law Office of Lawrence Keitt
If you’re struggling with overwhelming debt, bankruptcy may provide the relief you need to start fresh. At the Law Office of Lawrence Keitt, we are dedicated to guiding individuals and businesses through the bankruptcy process with clarity and care. With extensive experience in bankruptcy law, Attorney Lawrence Keitt offers personalized legal support to help you make informed decisions about your financial future. Whether you’re considering Chapter 7, Chapter 13, or Chapter 11 bankruptcy, we are here to provide expert counsel and representation every step of the way.
Understanding the Bankruptcy Process
Bankruptcy is a powerful legal option for eliminating or reorganizing debt, but it can be a complex and challenging process. There are several types of bankruptcy filings available under U.S. law, including:
- Chapter 7 (Liquidation) – Discharges most unsecured debts, such as credit cards and medical bills, by liquidating non-exempt assets.
- Chapter 13 (Reorganization) – Allows individuals to create a manageable repayment plan over three to five years to repay part or all of their debt while keeping their assets.
- Chapter 11 (Business Reorganization) – Primarily used by businesses to restructure debt and continue operations while repaying creditors over time.
The bankruptcy process typically involves the following key steps:
- Initial Consultation: We’ll evaluate your financial situation, discuss your options, and determine the most appropriate course of action based on your needs.
- Gathering Documentation: We’ll help you compile the necessary financial documents, including income, debts, assets, and expenses.
- Filing Your Petition: Once your case is ready, we’ll file your bankruptcy petition with the court and represent you throughout the legal process.
- Credit Counseling: You may be required to complete pre-bankruptcy credit counseling to explore alternative debt relief options.
- Meeting of Creditors: We’ll represent you at the creditors' meeting (341 meeting), where you’ll answer questions about your financial situation.
- Discharge or Repayment Plan: Depending on the type of bankruptcy, your debts will either be discharged, or you’ll enter into a repayment plan, and we’ll ensure you stay on track.
How We Can Help
At the Law Office of Lawrence Keitt, we offer more than just legal representation—we are committed to being a source of support and guidance during a difficult time. We understand that filing for bankruptcy is a significant decision, and our goal is to help you make the process as smooth and stress-free as possible. Here’s how we can assist:
- Personalized Advice: We’ll take the time to understand your unique financial situation and help you choose the best bankruptcy option for your needs.
- Comprehensive Legal Support: From filing paperwork to representing you in court, we handle all aspects of your case to protect your rights.
- Clear Communication: Bankruptcy law can be difficult to understand, so we make sure you are fully informed about your options and the potential impact of your decisions.
- Debt Relief Advocacy: If you're facing aggressive creditors, wage garnishments, or foreclosure, we’ll help you take control of your financial situation and work toward lasting relief.
Don’t face financial distress alone. Contact the Law Office of Lawrence Keitt today for a consultation and take the first step toward financial freedom.