Chapter 7

Kansas City Chapter 7 Bankruptcy Lawyer

Struggling with Finances? Let Us Guide You to a Fresh Start: (913) 203-4786

In Missouri and Kansas, you will find experienced guidance at the bankruptcy firm of Patton & Dean, LLC. Our Lenexa firm represents consumers like you who are facing financial struggles. An unexpected life event — such as divorce, a severe medical condition, or job loss — often leads to debt that soon spirals out of control. Our Kansas City lawyers aim to get you back on the right track toward a more solid financial future.

Request a free initial consultation with a Lenexa Chapter 7 bankruptcy attorney by calling (913) 203-4786or contact us online 
We serve throughout Kansas and Missouri.

What is Chapter 7 Bankruptcy? 

Chapter 7 is a type of consumer bankruptcy named for its location in the federal Bankruptcy Code. It allows individuals to wipe out their unsecured debts, such as credit card and medical bills. Through Chapter 7 bankruptcy, a debtor's assets are liquidated and used to pay creditors. The debtor is then discharged from his or her remaining debts and is no longer obligated to make payments on them. Chapter 7 is the most common type of bankruptcy and can help individuals get a fresh financial start and begin rebuilding their credit.

It is important to consult an experienced Kansas City Chapter 7  bankruptcy attorney to understand the full implications of filing for Chapter. A knowledgeable attorney can also help you determine if Chapter 7 is the right option for you and your financial situation. You may be able to find an affordable lawyer who can provide guidance on how best to move forward with your debt relief goals. Taking this step can help ensure a successful outcome in your bankruptcy filing. 

Why Call Our Chapter 7 Bankruptcy Lawyers in Kansas City?

  • 1,000s of Bankruptcy Cases Handled
  • One-on-One Attention for Every Client
  • Free Consultation to Discuss Your Options
  • Convenient Office Locations in Kansas City, Lenexa, and Lee's Summit
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Do You Qualify for Chapter 7 Bankruptcy in Kansas City?

Only certain people can qualify to file for Chapter 7 bankruptcy. Generally, you must meet a legal “means test” by demonstrating that your income and assets are below a particular ceiling. This determination can be complex. Therefore, it is crucial to speak with an attorney about your bankruptcy options and whether Chapter 7 is the right approach.

Finding the Right Type of Bankruptcy for You

Filing for Chapter 7 is generally the preferred option for people who don’t have significant assets or income. However, for those with underwater mortgages, valuable assets, or a steady income, Chapter 13 might be a better fit.

At Patton & Dean, LLC, our Chapter 7 lawyers in Kansas City have no hidden agenda to push you toward a particular approach. Instead, we will walk you through your options, discuss the pros and cons of each, answer any questions you may have, and ultimately provide the guidance you need to make an informed decision. We want you to feel comfortable and confident in the road ahead.

How Much Does it Cost to File Chapter 7 Bankruptcy?  

In general, most individuals will pay a$245 filer fee to the court, $15 trustee fee, plus a $78 miscellaneous administrative fee – a total of $338. The court may also require the completion of a credit counseling course at an additional cost (typically between $20 - $50). In addition to filing fees, individuals may need to pay for legal representation if they do not feel comfortable completing the process themselves. The cost of working with a professional Kansas City Chapter 7 lawyer can vary depending on the complexity and number of assets involved in filing for bankruptcy.

It is also worth noting that individuals who cannot afford the filing fees may qualify for fee waivers through the court. 

How a Bankruptcy Attorney Can Help With Your Case

By consulting an experienced bankruptcy attorney, individuals can explore their options and find a solution that fits both their financial situation and goals. 

Furthermore, discussing your case with a qualified bankruptcy lawyer will involve assessing your: 

  • Assets
  • Liabilities
  • Income
  • Expenses

A lawyer can also provide advice on the viability of various strategies for debt relief as well as represent you throughout the bankruptcy process. 

Commonly Asked Questions

What is Chapter 7 bankruptcy?

Chapter 7, or a "liquidation bankruptcy," allows individuals to wipe out unsecured debts like credit card and medical bills. Through Chapter 7 bankruptcy, a debtor's assets are liquidated and used to pay creditors, except for certain assets necessary for livelihood approved by the court. The debtor is then discharged from his or her remaining debts and is no longer obligated to make payments on them. 

What should I look for in a Lenexa Chapter 7 bankruptcy lawyer?

Bankruptcy is both a technical procedure and a deeply emotional process. What you need is a lawyer who can guide you through both. That means finding someone who has experience leading clients to financial freedom and debt relief in the courts who is also compassionate, understanding, and empathetic. In a Chapter 7 filing, you may be required to sell assets you have an attachment to. An empathetic lawyer would be able to help you fight to keep the assets that mean the most to you while discharging all your debts. 

Is there any risk involved when filing for Chapter 7 bankruptcy?

The cost of a Chapter 7 bankruptcy are straightforward: your credit score will incur a penalty for 10 years, making it more difficult to secure a loan or a credit card. The liquidation process will, of course, leave you with fewer assets than you had to begin with. If that still sounds preferable to the mountainous debt you're dealing with today, then bankruptcy might be worth the downsides.

How long does it take before my debts are discharged under Chapter 7?

The timeline depends on several factors, but typically it takes about four months to discharge your debts after filing for Chapter 7 bankruptcy.

Chapter 7 Process

Considering filing for Chapter 7 bankruptcy? If so, below is a timeline of the Chapter 7 process. Generally, there are 6 steps:

  1. Before you file, you must attend a mandatory credit counseling course. You can do this online or by phone.
  2. File for bankruptcy. Forms are available online. Make sure to include information about your property, creditors, and any financial transactions you have had over the last 2 years.
  3. Mail a copy of your most recent tax return to the bankruptcy trustee. This person handles the bankruptcy cases for the court. If they request additional documentation from you, provide it.
  4. 30 days after you file, attend a creditor’s meeting. It is conducted by the trustee, and it is rare for the creditors to appear. Here, you must answer (under oath) questions from the trustee regarding your documentation or anything else they may find relevant to your case. These meetings usually last 5 minutes.
  5. No later than 60 days after the creditor’s meeting, attend a mandatory budget counseling via phone or online. File a form and a copy of your certificate of completion with the court to confirm the counseling was completed.
  6. Do not sell or give away any property. 60–75 days after the creditors’ meeting, you should receive a letter from the court that discharges your debts. The trustee will arrange with you to liquidate your nonexempt property, if you have any. Be aware that during this period, creditors are still able to object to you discharging your debt.

Benefits of Filing for Chapter 7 Bankruptcy

If you are overwhelmed by debt and struggling to make ends meet, filing for Chapter 7 bankruptcy can provide you with a fresh start and help you rebuild your financial future.

Here are some of the benefits of choosing Chapter 7 bankruptcy:

  • Debt Discharge: Chapter 7 bankruptcy allows for the discharge of most unsecured debts, such as credit card debt, medical bills, and personal loans. This means that you will no longer be legally obligated to repay these debts.
  • Immediate Relief: Once you file for Chapter 7 bankruptcy, an automatic stay halts all collection actions, including wage garnishments, foreclosure proceedings, and creditor harassment.
  • Quick Process: Unlike other bankruptcy chapters, Chapter 7 bankruptcy is typically a faster process, with most cases being resolved within a few months.
  • Exemption Protections: Kansas bankruptcy laws provide exemptions that allow you to protect certain assets, such as your home, car, and personal belongings, from being liquidated to repay your debts.
  • Improved Credit Score: While filing for bankruptcy will initially have a negative impact on your credit score, it also provides an opportunity for a fresh start. By eliminating your debts, you can begin rebuilding your credit and working towards a healthier financial future.

At Patton & Dean, LLC, our experienced Chapter 7 bankruptcy lawyers in Kansas City can guide you through the entire bankruptcy process and help you understand your options. Contact us today for a free consultation to discuss whether Chapter 7 bankruptcy is the right solution for your financial situation.

  • “Ryan and David both were very personable as well as professional.” - Deana
  • “This team of attorneys has gone out of their way to help me” - Jeffery B.
  • “Very grateful.” - Carlos I.

    What is the Difference Between Chapter 7 and Chapter 13?

    Are you unable to keep up with repaying your loans, credit card, or medical bills? Bankruptcy may be an option for you. However, chapters 7 and 13 are the most common solutions you can use to reduce or eliminate your debt.

    Chapter 7 is the most common type of bankruptcy. It has the following characteristics:

    • It does not require a payment plan
    • It does require you to sell or liquidate your assets to pay back your debt from creditors.
    • If you file Chapter 7 successfully, you will be discharged from your debt responsibilities.

    Chapter 13 has the following characteristics:

    • It eliminates by providing you with a repayment plan that allows you to pay back a certain amount of your debt over a three-to-five year time frame.
    • Chapter 13 is beneficial if you can afford to pay back some of your debt and it lets you make more affordable payments.

    The bankruptcy process may seem overwhelming. However, the Kansas City Chapter 7 lawyers at Patton & Dean, LLC are here to help determine which type of bankruptcy meets your specific needs. Call us at (913) 203-4786 to discuss your options.

    If I Lose My Job Can I File Chapter 7?

    Yes, you may file for Chapter 7 bankruptcy if you lose your job or if you are currently unemployed. Even those who received unemployment benefits may file for Chapter 7, however, they qualify no later than 6 months after the loss of employment.

    Bankruptcy does not depend on your job status and many people typically file after losing their job. However, before you file, you must also confirm that you actually qualify for Chapter 7.

    Considering Bankruptcy? Call (913) 203-4786 for a Free Consultation.

    If you are considering bankruptcy, call Patton & Dean, LLC at (913) 203-4786 for a free initial consultation with our Lenexa Chapter 7 attorneys. We can determine whether or not this is the best solution for your financial situation, and we can answer any of your questions. Do not hesitate to reach out to our bankruptcy firm in Kansas City!

    Our main location is in Lenexa, KS however we have three other offices throughout Missouri. Contact us today!

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    Take the first step to obtaining  debt relief. Schedule a free case evaluation at (913) 203-4786 with a Kansas City Chapter 7 attorney to see if filing for bankruptcy is right for you.

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