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Bankruptcy Attorneys Serving the Helena, Montana Area
Filing for bankruptcy is never an easy choice. But for many Montanans, it can be the right choice. Whether you have mounting debt from medical bills, a divorce, or other unfortunate circumstances, bankruptcy can provide you a fresh start.
Our attorneys can advise you about your options, including whether you should file for chapter 7 or chapter 13. We can also ensure your bankruptcy is done right. Call our law firm today to meet with our attorneys about your options. You can also contact us online.
For most Montanans, chapter 7 is their best option because unsecured debt, like medical bills and credit card debt, are eliminated. While it also provides less protection for your property, Montana law can protect your home or other valuable assets through property exemptions. Our lawyers can make sure your petition uses these exemptions to best protect your property.
Chapter 13 offers more protection for your personal assets, but it also requires that you pay back some of your debt over a 3 to 5 year time period. If you are facing a foreclosure, filing a chapter 13 petition may provide you options for keeping your home. Our lawyers are experienced in fighting foreclosures, so call us today to see if chapter 13 might be a way to keep your home.
With a chapter 13, you must develop a re-payment plan that the Court approves. This can be delicate process, and having a lawyer by your side ensures it can be done correctly.
For some people, bankruptcy is not the right choice. Depending on your circumstances, you may be better served by negotiating down your debt with your creditors. Our lawyers can help you through this process if debt settlement is the right option for you.