Kansas City Chapter 7 Bankruptcy Lawyer
Struggling with Finances? Let Us Guide You to a Fresh Start: (913) 203-4786
Chapter 7 is a type of consumer bankruptcy named for its location in the federal Bankruptcy Code. It is a faster process than Chapter 13, the other common type of consumer bankruptcy.
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) 203-4786 or contact us online.
We serve throughout Kansas and Missouri.
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
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 bankruptcy is generally the preferable 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 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 $335 filer fee to the court, plus an additional $75 miscellaneous administrative fee. The court may also require completion of a credit counseling course at an additional cost. 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 professional bankruptcy representation 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. 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:
A lawyer can also provide advice on the viability of various strategies for debt relief as well as represent you throughout the bankruptcy process.
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:
- Before you file, you must attend a mandatory credit counseling course. You can do this online or by phone.
File for bankruptcy. Forms are available online. Make sure to include information about your property, creditors, and provide information about any financial transactions you have had over the last 2 years.
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.
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.
No later than 60 days of 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.
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.
“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 7 Dean, LLC are here to help determine which type of bankruptcy meets your specific needs. Call us today to discuss your options.
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 finding the debt relief you need. Schedule a free case evaluation with an attorney to see if filing Chapter 7 bankruptcy is right for you.