Charles Town Chapter 7 Bankruptcy Attorney

West Virginia Bankruptcy Lawyer David J. Hinkle Helps Clients Get Out of Debt

At Hinkle Law PLLC, our Charles Town Chapter 7 bankruptcy attorney is committed to providing effective, personalized, hands-on representation to consumers throughout Jefferson County. Our practice is dedicated to bankruptcy law and debt relief. We have helped many people like you get out of several million dollars of debt payments.

If you are struggling with the stress and burden of debt, please know that there is always a path forward. We will help you determine if Chapter 7 is the best option for you and your family. To arrange a free, fully private consultation with a top-rated West Virginia bankruptcy lawyer, please contact us today.

Who is Eligible for Chapter 7 Bankruptcy?

Unfortunately, not everyone is eligible to file for Chapter 7 bankruptcy protection. Chapter 7 bankruptcy is subject to a ‘means test’. Generally speaking, you can only use the Chapter 7 process if you have a below-median income on a family-sized-adjusted basis for the state of West Virginia.

For reference, the maximum annual income for a family of four in West Virginia in 2020 is $76,273.00. If your income level is above the median, you are not necessarily out of luck. You may still be eligible to file for Chapter 7 if your monthly expenses are significantly higher than the average. Our Charles Town attorney can help you navigate the process.

What are the Benefits of Filing for Chapter 7?

Depending on your level of debt and your current financial situation, Chapter 7 bankruptcy may offer several different benefits. To start, Chapter 7 is efficient. With guidance from a Charles Town bankruptcy attorney, you may be able to get through the process in as little as a few months. Next, Chapter 7 allows consumers to discharge most debts. When you successfully get through the filing process, many debts can be wiped out completely, including medical debts, credit card debt, and unsecured personal loans. Finally, Chapter 7 offers property protection. Many assets can be protected from creditors. As an example, you will not lose your primary vehicle to creditors in Chapter 7 bankruptcy.

What Documents and Information Do I Need to File for Chapter 7 Bankruptcy?
One of the best things you can do to protect your legal rights and financial interests is to organize your records carefully. You will need certain documents to go through the bankruptcy process. To file for Chapter 7 bankruptcy protection in Charles Town, you will need the following financial information and personal documents:

At least six months’ worth of paystubs;
At least six months’ worth of bank statements;
Your last two years of state and federal tax returns;
Your investment accounts and other financial assets;
Your car loan documents;
Your mortgage documents;
Documentation of your outstanding debts; and
Any correspondence between you and creditors/debt collectors.

Chapter 7 bankruptcy can be a valuable tool, but it is not the right option in every situation. At Hinkle Law PLLC, our Charles Town bankruptcy lawyers help people and families explore every option for getting out of debt. We will let you know if Chapter 7 is the best option—with a careful focus on all of the potential advantages and disadvantages. If Chapter 7 is not the right fit for your case, we help you consider the alternatives to stop debt collector harassment, including Chapter 13 bankruptcy.

You Can Rely On the Charles Town Bankruptcy Team at Hinkle Law

The Chapter 7 bankruptcy process is complicated. It is entirely normal to feel confused and overwhelmed. You deserve reliable representation. Our founding attorney David J. Hinkle has nearly two decades of bankruptcy experience. We have helped people like you shed millions of dollars in crushing debt. Our legal team is always prepared to hit the ground running. Among other things, our Charles Town, WV bankruptcy attorney will:

Hear your story, answer your questions, and discuss your rights;
Take immediate action to stop the phone calls, letters, and collection action;
Secure and prepare all financial information and records; and
Craft a personalized legal strategy focused on getting you the best financial outcome.

Debt can be extremely stressful. We are here to help relieve some of your emotional and financial burdens from you. Our Charles Town Chapter 7 bankruptcy lawyer offers compassionate and non-judgmental legal representation. We are genuinely focused on helping clients get the best solution and get back to a stable financial footing. Debt is not forever. There are always options available.

Contact Our Charles Town Chapter 7 Bankruptcy Lawyer for Immediate Help

At Hinkle Law PLLC, our West Virginia Chapter 7 bankruptcy attorney, is a reliable, committed advocate for clients. If you have questions about your legal rights or legal options, our legal team is more than ready to help. Contact us now for a no-cost, no-obligation initial bankruptcy consultation. We serve clients in Charles Town and throughout the surrounding communities in Jefferson County.

Contact our office today at (304) 944-0571 to speak with one of our knowledgeable attorneys about how we can help you move forward.