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Best Bankruptcy Attorneys in Meridian

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Avery Law logo
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Avery Law

3090 E Gentry Way, Meridian, ID 83642
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Avery Law is a bankruptcy law firm serving the Meridian area for nearly 30 years. Its attorneys are dedicated to providing debt relief to individuals who are struggling with their finances. They have experience in helping clients file for liquidation or straight bankruptcy, a process that removes the individual's unsecured debts such as medical bills and credit card dues. If clients do not qualify for this kind of bankruptcy, they provide assistance in filing for a wage earner's plan.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.9 / 5 (122)
Facebook
4.8 / 5 (18)
Avvo
5.0 / 5 (13)

(+1 additional source)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
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Detail
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D. Parker Law logo
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D. Parker Law

984 West Corporate Lane, Nampa, ID 83651
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  • Chapter 7 Bankruptcy

Business Description

D. Parker Law is a bankruptcy firm in Meridian that was established in 2014. Dana Parker, owner and lead attorney, has been practicing law since 2005. She is assisted by her paralegal, Kelly Garcia, who has over 30 years of experience in the field. Parker represents clients in Chapter 7 bankruptcies and helps them deal with debt-related lawsuits, wage garnishment, and creditor harassment. She also helps clients in pre-planning their future by planning and enforcing wills, powers of attorney, and health care directives.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.6 / 5 (40)
Yelp
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
Responsiveness
Friendliness
Helpfulness
Detail
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Idaho Bankruptcy Center logo
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Idaho Bankruptcy Center

3509 West Bavaria Street, Meridian, ID 83646
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Idaho Bankruptcy Center offers comprehensive bankruptcy assistance near Meridian. Erin J. Wynne, the firm's bankruptcy attorney, is well-versed in Chapter 13 and Chapter 7 bankruptcy. She seeks to provide debt-relief options, helping find economical and practical solutions. Moreover, she educates clients about their legal rights, determines their eligibility under bankruptcy laws, and aids filing for bankruptcy. Her services include stopping wage garnishments and foreclosures and reducing auto loan interest rates. Wynne is a criminology graduate and an advocate for veterans.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)
King Law Offices logo
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King Law Offices

5440 Franklin Road, Boise, ID 83705
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

King Law Offices is a Boise-based bankruptcy law firm founded by C. Grand King. King offers his legal services to clients who are considering filing for bankruptcy. He specifically handles Chapter 7 and Chapter 13 Bankruptcies. King has almost 25 years of bankruptcy law experience and can file 20-40 bankruptcy cases in a month, decreasing the chances that his clients would experience foreclosures and debt-related lawsuits. In 1999, King received the Professionalism Award from the Idaho State Bar Commercial Law and Bankruptcy Section.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Peterson Zeyer Law logo
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Peterson Zeyer Law

1215 West Hays Street, Boise, ID 83702
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Peterson Zeyer Law is a two-lawyer firm in Boise that extends its services to clients living in the Meridian area. The firm's attorneys, Jake W. Peterson and Hyrum M. Zeyer are highly experienced bankruptcy attorneys who have a combined law practice of over 50 years. Peterson and Zeyer focus on providing personalized legal representation to individuals who have cases that fall under chapters 7 and 13 of the bankruptcy law. Past clients commend their responsiveness, courtesy, and professionalism.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (108)
Facebook
4.6 / 5 (5)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Wilson Law Offices, P.C. logo
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Wilson Law Offices, P.C.

4614 Emerald Street, Boise, ID 83706
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Wilson Law Offices, P.C. is a law company based in Boise that focuses on serving clients in the Meridian area. Owner and founder Mr. Wilson is a veteran bankruptcy attorney who has more than 35 years of experience in resolving chapters 7 and 13 bankruptcy cases. He offers legal consultation and assistance to individuals in navigating through the confusing area of consumer bankruptcy. Additionally, Wilson also practices in the areas of divorce, DUI, and DWP.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.6
Google
4.7 / 5 (50)
Facebook
5.0 / 5 (3)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
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Frequently Asked Questions

What does a bankruptcy attorney do?

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.

What happens when you file 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.

Can you file bankruptcy on student loans?

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.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

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.

Does bankruptcy clear tax debt?

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:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 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.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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