Get a Fresh Start
in a Stress Free Environment

Get Your Free Consultation Today
Don't Wait Until it's Too Late.

About Chapter 7 Bankruptcy

Filing for Chapter 7 Bankruptcy in Wheeling?

Our Wheeling Bankruptcy Lawyer is Here to Help – Call 304-202-1159

Are you involved in financial circumstances that are difficult to endure? At Thomas E. McIntire & Associates, LC, we can help you assess all of your options and determine whether Chapter 7 bankruptcy is right for you. Our Wheeling Chapter 7 bankruptcy attorney is primarily concerned with protecting your rights, interests, and finances for the long-run.

Why Choose Thomas E. McIntire & Associates, LC?

  • Free case evaluations
  • Nearly 30 years of experience protecting consumers’ rights
  • Personal legal support and one-on-one attention
  • Proactive advocacy, including putting a stop to creditor harassment

Speaking with a legal professional could be the first step toward obtaining a fresh start. Call our Chapter 7 bankruptcy lawyer in Wheeling at 304-202-1159 today.

Is bankruptcy right for me?

If creditors are targeting your home, your wages, and your bank accounts, you may want to consider Chapter 7 as an option for debt relief. It is the most common chapter of bankruptcy and is suited to individuals who are burdened by overwhelming debt that makes it impossible to bring their accounts up to date.

Wheeling Chapter 7 Bankruptcy

Generally speaking, Chapter 7 bankruptcy can help eliminate the following debts:

To prove eligibility for this chapter of bankruptcy, you will need to pass the means test, which evaluates your income and expenses to determine your ability to make regular payments. The test is simply a calculation that compares your household income to the average income in your area.

If your income is above the average, then we will do an exhaustive analysis to see whether you can still qualify for Chapter 7 or whether Chapter 13 bankruptcy may be a better option for you.

Understanding the Chapter 7 Process

In a Chapter 7 bankruptcy, your nonexempt debts can be discharged. Typically, our Chapter 7 clients do not lose assets in this bankruptcy process. We are able to protect your assets and eliminate credit card debt, personal loans, and medical debt. If you are in West Virginia and need legal guidance for this process, we encourage you to contact our Wheeling bankruptcy attorney at once.

Prior to filing your bankruptcy petition, you will need to complete a credit counseling course online. The informational course can be completed at your convenience in your home or office. It is nothing to be embarrassed by or fear.

When filing for Chapter 7, the process typically looks like the following:

  1. You (the debtor) file a Chapter 7 petition
  2. You receive a notice from the court regarding your hearing
  3. You need to attend a bankruptcy court hearing 30 - 45 days after filing
  4. Bankruptcy discharge in a Chapter 7 case will occur 2 months after the date of the hearing

At Thomas E. McIntire & Associates, we are prepared to help our clients navigate their cases successfully. If you are interested in learning more about how we can help you navigate your case, we can provide you with a free case evaluation.

Do not wait. Call our lawyer at 304-202-1159 today!