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Best Bankruptcy Attorneys in Gary

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Jackson & Oglesby Law LLC logo
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Jackson & Oglesby Law LLC

6520 E. 82nd St. Suite 101, Gary, IN 46250
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Jackson & Oglesby Law LLC is a local bankruptcy law firm serving clients in Bloomington. It helps clients experiencing financial difficulties file for bankruptcy under chapter 7 or chapter 13. Michael L. Jackson and Dana L. Oglesby, the firm's managing partners, have over 30 years of combined experience helping clients get legal protection against vehicle repossessions, home foreclosures, wage garnishments, and creditor harassment. They provide bankruptcy evaluations and legal guidance throughout the debt relief process to help individuals resolve their financial issues.

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 (49)
Facebook
5.0 / 5 (14)

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
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Adam D. Decker, Attorney at Law, P.C. logo
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Adam D. Decker, Attorney at Law, P.C.

10200 Broadway, Crown Point, IN 46307
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Adam D. Decker, Attorney at Law, P.C., is a small law firm that handles bankruptcy-related matters in the Gary area. Bankruptcy lawyer Adam D. Decker has over 25 years of experience in filing bankruptcy cases. Decker focuses on chapters 7 and 13 representation, discharging unsecured debts and protecting assets from foreclosure. Adam D. Decker, Attorney at Law, P.C. also practices trademark and copyright law, probate and estate administration, and business law.

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.
4.8
Google
4.8 / 5 (4)
Facebook
5.0 / 5 (1)

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
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Detail
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Bentz Holguin Law Firm, LLC logo
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Bentz Holguin Law Firm, LLC

1000 Eagle Ridge Drive, Schererville, IN 46375
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Bentz Holguin Law Firm LLC is a bankruptcy law firm operating in the Gary area. It handles bankruptcy cases under Chapters 7 and 13 of the U.S. Bankruptcy Code. The lawyers carefully evaluate each client's situation to advise them on solutions designed to end wage garnishments, prevent foreclosures, and stop creditor harassment. The firm also offers IRS debt negotiation services. Bentz Holguin Law Firm can be contacted for a free initial consultation.

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
Avvo
4.9 / 5 (39)
Facebook
5.0 / 5 (4)

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
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Detail
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David M Dabertin Law Offices PC logo
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David M Dabertin Law Offices PC

5246 Hohman Avenue, Hammond, IN 46320
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

David M. Dabertin Law Offices PC offers legal guidance and representation in bankruptcy-related matters to residents of the Gary area. The firm files petitions under Chapters 7 and 13 on behalf of its clients as well as advising them on alternative solutions to their debt problems. Solo practitioner Dabertin personally handles all cases and helps clients to navigate the complex bankruptcy process. An initial consultation is available free of charge.

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)

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
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Detail
Fugate Law Firm logo
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Fugate Law Firm

7225 East Ridge Road, Hobart, IN 46342
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Student Loan Debt

Business Description

Led by Kenneth Fugate, Fugate Law Firm helps people in Gary file for chapters 7 and 13 bankruptcy. It offers consultations to help potential clients determine which bankruptcy chapter they should file. The firm also files for bankruptcy on behalf of its clients online. Aside from bankruptcy filing, it offers other debt relief services like state and federal tax relief, student loan payment options, and stopping foreclosures and repossessions. Fugate is a bankruptcy lawyer with 25 years of experience.

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 (6)
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.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Kevin M Schmidt Attorney at Law logo
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Kevin M Schmidt Attorney at Law

200 East 80th Place, Merrillville, IN 46410
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Kevin M Schmidt Attorney at Law is a bankruptcy law firm that has been providing debt relief solutions in the Gary area for the last 20 years. The firm focuses on chapters 7 and 13 representation, wherein its bankruptcy attorneys explain thoroughly the advantages and disadvantages of both chapters. The legal team helps discharge unsecured debts such, as credit card bills, foreclosed home deficiencies, and judgments. Kevin M Schmidt Attorney at Law assists in credit rebuilding after filing bankruptcy.

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.
4.7
Google
4.6 / 5 (20)
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
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Seth R. Buitendorp, Attorney at Law logo
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Seth R. Buitendorp, Attorney at Law

7900 Broadway, Merrillville, IN 46410
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Seth R. Buitendorp, Attorney at Law, is a bankruptcy attorney in Gary with over 10 years of law experience. Upon reviewing each client's financial status, Buitendorp and his team give debtors recommendations on which type of bankruptcy is best and guides them through the filing process for chapter 7 or chapter 13 bankruptcies. They also represent creditors and help them deal with consumer and commercial collection, eviction hearings for landlords, foreclosures and mechanics liens, and replevins.

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)

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
––
Whitten & Whitten logo
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Whitten & Whitten

6183 Central Ave, Portage, IN 46368
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Whitten & Whitten offers legal services in the Gary area. The firm helps individuals, families, and businesses with bankruptcy issues. It evaluates the debt situations of clients and offers advice on the right chapter to file. Its staff helps individuals avoid foreclosures and wage garnishments. Focusing on Chapter 7, the legal team helps clients make a new financial start by eliminating unsecured debts. Whitten & Whitten also protects individuals from creditor harassment.

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)

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
Back to Providers

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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