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Best Bankruptcy Attorneys in Lawrence

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Coons and Crump, LLC logo
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Coons and Crump, LLC

840 Connecticut Street, Lawrence, KS 66044
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Coons and Crump, LLC represents individuals in bankruptcy cases in Lawrence. The law firm assists in the discharging and reorganization of personal debts. In addition to filing for chapters 7 and 13 bankruptcies, bankruptcy lawyers Christopher Coons, Kristina Crump, and Amelia Brown also aid in relief from wage garnishments, property repossessions, and home foreclosures. They have over 25 years of combined legal practice experience. Coons and Crump, LLC has offices in Wichita, Lawrence, Topeka, and Overland Park.

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
4.4 / 5 (9)

Professionalism:

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5.0
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Gary E Hinck PA logo
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Gary E Hinck PA

512 Southwest 6th Avenue, Topeka, KS 66603
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Gary E Hinck PA is a bankruptcy law firm assisting clients facing insolvency in Lawrence. Gary Hinck is a bankruptcy lawyer who is experienced in helping clients considering filing for bankruptcy. He can handle a chapter 7 or chapter 13 bankruptcy. Clients who are seeking a new start may aim for a chapter 7 bankruptcy with assistance from the firm. Otherwise, clients may file for a chapter 13 bankruptcy for a repayment plan. Gary E Hinck PA has been practicing bankruptcy law for 15 years.

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 (4)
Avvo
5.0 / 5 (2)

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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John Bodle Law logo
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John Bodle Law

928 Rhode Island Street, Lawrence, KS 66044
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  • Debt Settlement

Business Description

John Bodle, Attorney at Law is a bankruptcy attorney in Lawrence. He assists individuals and families seek debt relief through bankruptcy. He provides assistance in considering bankruptcy options and guidance on filing for bankruptcy. He assists in case settlements and agreements, as well as litigations. He also provides consultation services for individuals who are experiencing creditor harassment, garnishment of wages, repossession of properties, and foreclosures. He also practices in areas of wills and probate and family 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.
3.8
Google
3.8 / 5 (17)

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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John Harper's Bankruptcy Law Office logo
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John Harper's Bankruptcy Law Office

214 Southwest 6th Avenue, Topeka, KS 66603
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Credit Card Debt

Business Description

John Harper's Bankruptcy Law Office helps clients in the Lawrence, Topeka, Ottawa, and Overland Park areas get a fresh start financially. To do this, it seeks to resolve issues involving credit card debt, garnished paychecks, home foreclosures, and medical bills. Additionally, its bankruptcy lawyers advise clients on whether to file for bankruptcy or not. They also educate clients about the bankruptcy filing process and the suitable chapter they should file.

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.
4.4
Avvo
5.0 / 5 (5)
Google
1.0 / 5 (1)
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.
5.0
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John R. Hooge Attorney at Law, P.A. logo
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John R. Hooge Attorney at Law, P.A.

2619 West 6th Street, Lawrence, KS 66049
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

John R. Hooge Attorney at Law, P.A., is a locally owned Lawrence bankruptcy law firm that has been providing legal services to people struggling in debt for more than 40 years. It focuses on debt relief through a variety of financial services. It assesses each case and creates customized solutions suitable for each client and situation. Hooge determines if bankruptcy is required before offering assistance in filing for chapter 7 or 13 bankruptcy. The firm also provides credit counseling services to help clients manage their money.

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 (33)
Yelp
5.0 / 5 (2)
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
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––
Sypher Law, LLC logo
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Sypher Law, LLC

11011 King Street, Overland Park, KS 66210
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Sypher Law, LLC is a bankruptcy law firm that serves the Lawrence area. Headed by Sarah A. Sypher, the company helps clients file for bankruptcy in order to prevent garnishment, debt collection actions, foreclosure, and repossessions. The lawyer is committed to assisting clients in differentiating chapter 7 bankruptcy from chapter 13 bankruptcy. She also aims to relieve clients from tax debt through these bankruptcy options. Sypher Law, LLC has been providing legal assistance since 2005.

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 (3)
Watton Law Group logo
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Watton Law Group

1201 Walnut Street Suite 435, Lawrence, KS 64106
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Bankruptcy

Business Description

Watton Law Group has been serving clients in Lawrence and the surrounding areas since 1994. The legal office assists individuals seeking bankruptcy protection under chapters 7 or 13, which help stop lawsuits and bill collectors. Its bankruptcy attorneys assess clients' financial circumstances and help them determine which bankruptcy is most suitable for them. Managing partner Michael J. Maloney leads the firm's bankruptcy practice. He is also licensed to represent clients in the state courts of Missouri, Colorado, Florida, New York, and Utah.

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
5.0 / 5 (174)

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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