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Debt Issues and Bankruptcy
Attorney Karen M. Buckley provides many services that can ease the situation when debts have gotten out of hand.
Chapter 7
Filing Chapter 7 involves a liquidation of
property, and applies when the client doesn't
have disposable income or assets they need
to protect, or is unable to finance a Chapter
13 plan to retain assets.
Chapter 13
Chapter 13 involves devising a consumer payback
plan, which is for a five year period or until
the amount is paid back. A schedule of income
and expenses is required, together with other
financial documents, to determine the client's
disposable income and assets.
Debtor Counseling
Sometimes clients don't need to go as far
as filing bankruptcy. Karen will work with
a debtor to avoid this step if possible by
negotiating with the creditor
Creditor Representation
Karen also represents creditors in bankruptcy
proceedings. Karen will assist in filing a
proof of claim, monitoring the bank case as
it is proceeding, and if necessary, object
to the dischargablity of a debt.
The Bankruptcy Process
The steps in the process can be complicated,
but Karen Buckley will be with you all along
the way. From the first meeting in her office
through the close of the meeting of creditors,
Karen will guide and advise the client through
the bankruptcy process.
Note: Attorney Karen Buckley does not
provide services for businesses going into
Chapter 11, but can provide professionals
referrals if requested.
For competence and compassion, contact
Attorney Karen Buckley.
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