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Anteski Law Firm is a legal practice in the Fort Smith metro with additional offices in Paris and Greenwood. Its attorney helps clients seeking debt relief through Chapters 7 and 13 bankruptcy to stop collection action, such as wage garnishment, vehicle repossession, and home foreclosure. Other practice areas include family, probate, personal injury, and criminal law. June Anteski Esq. is a member of the Association of Private Practice Lawyers & Attorneys.
Caddell Reynolds is a Fort Smith law firm that offers legal services relating to various practice areas, including bankruptcy law. Caddell Reynolds assists its clients in filing for bankruptcy relief under Chapters 7, 11, 12, and 13 of the Bankruptcy Code. The firm's team of experienced bankruptcy lawyers caters to individuals and families. It provides consultation services to help clients choose the right option to alleviate the pressures of their current financial situations. Aside from Arkansas, Caddell Reynolds also serves clients in Oklahoma and Missouri.
Chronister, Fields & Flake PLLC is a law firm in Fort Smith protecting clients' rights and interests. Its attorneys assist clients looking for debt relief through Chapters 7 and 13 bankruptcy relief to stop collections actions, such as harassing creditors' calls, wage garnishment, and vehicle repossession. Clients filing for bankruptcy may be able to stop foreclosure and restructure their mortgage to keep their homes. Other practice areas include social security appeals and personal injury, family, and criminal law.
Honeycutt Law Offices is a legal practice in Fort Smith with over 30 years' experience representing individuals throughout the area. Its attorney helps clients understand their rights and options for debt relief through Chapter 7 bankruptcy. The legal team guides debtors through the process and evaluates which assets they may be able to keep through the court discharge proceedings. Honeycutt Law Offices also provides criminal defense and handles family law matters.
Jeremy D. Wann, PLC, is a Fort Smith-based law firm that provides a variety of legal services in different fields of the law. One of Wann's practice areas is bankruptcy law, and he handles both liquidation and wage earner's bankruptcy. A bankruptcy lawyer since 2017, Wann offers consultations to people who are overwhelmed with debt and are looking for ways to address their situation. He details the pros and cons of filing for bankruptcy, including subsequent impacts. Wann is a UA Fort Smith Collect of Business Adjunct Professor.
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Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.
Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.
Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.
Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.
Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:
How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.
Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:
Existing liens are not eliminated with bankruptcy.
In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.
