Debt Relief Through Bankruptcy
Bankruptcy provides relief under federal law to those who are overwhelmed by debt. Is bankruptcy the best solution for your circumstances? If so, which is appropriate for your financial situation: a Chapter 7 bankruptcy or a Chapter 13? A means test and a review of your goals can make the answer clear.
At the Law Offices of Scot Stuart Brower we offer free initial consultations. Mr. Bower will listen attentively and assess your unique portfolio of assets, income and debts. If bankruptcy is right for your case, he will help you determine which type of bankruptcy will meet your needs.
Chapter 7 Or Chapter 13 Bankruptcy: Which Suits Your Situation?
Chapter 7 bankruptcy allows for a discharge of most or all of your consumer and personal debts. If you qualify for this form of bankruptcy, those debts can be permanently wiped out. You will not have to pay them back in most cases. If you wish to reaffirm a debt after your discharge, discuss this and other concerns with attorney Scot Stuart Brower.
Chapter 13 bankruptcy, on the other hand, reorganizes your debts and lets you pay some or all of them back through one affordable monthly payment over three to five years with little or no interest. This form of bankruptcy is especially useful if you need to:
- Stop the foreclosure of your home or other real estate holdings
- Repay past-due student loan payments and taxes with minimal pressure
- Take care of other debts that cannot be discharged
Reasons To Choose Our Law Firm
Attorney Scot Stuart Brower has many years of experience. He brings strong qualifications in the legal practice of bankruptcy, with deep knowledge of both federal and Hawaii exemptions. Exemptions are personal belongings that you do not need to include in your list of assets that could be subject to liquidation. Mr. Brower has helped countless Hawaiians find debt relief through bankruptcy. He understands what you are going through and brings no judgment to the table. He is prepared to explain how you can get the relief you need to get back on your feet.
Stop creditor harassment. Get the direction that you need. Initial consultations at Law Offices of Scot Stuart Browerare free. Contact our Hawaii bankruptcy lawyer, Scot S. Brower, today through our online form or by phone at 808-522-0053 to discuss your options and learn how we can help you.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.