Bankruptcy

The firm of Reinheimer & Reinheimer devotes a great deal of its legal practice to the handling of individual and business bankruptcy filings and other bankruptcy-related issues. We handle such matters with compassion and empathy along with a personal touch. Individuals in need of help are able to file either a Chapter 7 or a Chapter 13 bankruptcy depending on the client’s facts and circumstances. A business which has failed or is failing may file a Chapter 7 bankruptcy to dispose of its business debts and effectively close the business.

In a Chapter 7 bankruptcy, one is seeking a discharge of some or all of their debt obligations. In most instances, the person filing will be able to retain all of their assets of value while discharging their obligation to pay their other debts. Credit cards, MVC surcharges, medical/dental bills and personal loans are all examples of the types of debts that one can effectively discharge within the body of their bankruptcy petition. Most Chapter 7 bankruptcy matters are concluded in less than four months from the time of filing.

A Chapter 13 bankruptcy can help one save their home or automobile despite being behind with their monthly payment obligation. A Chapter 13 bankruptcy can remain open for a period of 36 to 60 months depending on one’s circumstances. Outstanding tax obligation to the state and federal governments can also be taken care of within the Chapter 13 filing. This type of filing acts as an individual reorganization of one’s debt obligations.

With over 20 years of experience in this area of the law, the law firm of Reinheimer & Reinheimer will guide you through the bankruptcy process. Our firm has a policy of all phone calls being returned within 1 business day. Your attorney will personally appear at each and every court event. Following your free consultation with the firm, you will receive your attorney’s personal and direct email so you may literally have your attorney at your disposal at any time the need arises.

All bankruptcy consultations are completely free of charge and will take place with a licensed attorney, not a paralegal. Give us a call and take the first step to regaining control of your life and finances. Most consultations will take approximately 60-90 minutes to complete and can be done either in person, over the phone or via Skype.