Bankruptcy Law
An experienced bankruptcy and debt consolidation lawyer can help you through this difficult time and focus on building a better financial future. At the Jennifer Benedict Law Office, our Independence Chapter 7 and Chapter 13 bankruptcy attorney has been handling these tough cases since 1996. We understand what you are going through and we understand what options you have for immediate and long-term relief. And unlike many of the big Kansas City bankruptcy mills, at our firm you will work with the same lawyer throughout the entire bankruptcy process.
Experienced Bankruptcy Attorney
Working for creditors for over a decade, attorney Jennifer Benedict is now focused on helping consumers get out of debt and on with their lives. Many consumer bankruptcy lawyers know how the court system works, but attorney Benedict also understands what creditors are looking for and how you can get them to work with you.
Understanding these complex issues from both sides, we are uniquely situated to help our clients find real and lasting solutions. The moment you file for Chapter 7 bankruptcy or Chapter 13 bankruptcy, you will receive an automatic stay, which puts an immediate stop to any action by your creditors. They cannot foreclose on your home. They cannot garnish your wages. They cannot even contact you directly anymore. Get the space you need to start looking for real solutions. We competently and compassionately represent clients through both forms of consumer bankruptcy.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is often what individuals think of when they are considering filing for bankruptcy. You may know that filing for bankruptcy will let you get rid of debt, but you are uncertain what chapter to file, what debts you can discharge and what assets can be protected. When you are unable to keep up with payments and your debt is piling up, it is important to get the advice of a seasoned bankruptcy attorney as soon as possible.
Jennifer Benedict Law Office works hard to help clients facing financial hardships. Our skilled attorney once worked for creditors. She knows how creditors go after individuals in debt and uses this knowledge now to help individuals force a path toward a new start.
Assisting Clients in Legal Trouble
We work closely with you to determine if Chapter 7 is your best option. In Chapter 7 personal bankruptcy, you can get rid of your dischargeable debt, helping you get out from the financial burden that led you to contact an attorney.
Dischargeable debt may include:
- Credit card debt
- Medical debt
- Some tax debt
- Other unsecured debts
Quick and easy, Chapter 7 bankruptcy will allow you to get a handle on your finances, so you can get on with your life. If you qualify for Chapter 7 bankruptcy, you will be able to get rid of all your dischargeable debt within a matter of months.
Chapter 13 Bankruptcy
Thinking about filing for bankruptcy can make people feel ashamed. It is important to remember that most individuals encounter financial difficulties for reasons outside of their control such as unemployment, illness and divorce. Hiding from your financial problems out of shame only exacerbates the problem later. With the help of a bankruptcy attorney, you can face your problems and find a path toward financial freedom.
When you come to Jennifer Benedict Law Office you get the seasoned counsel of our bankruptcy attorney. Jennifer Benedict formerly worked for creditors and crafts creative legal strategies for clients based off her knowledge of how creditors go after individuals.
By working with your creditors to create a payment plan you can actually afford, Chapter 13 bankruptcy can help you save your home and other important assets. After you have successfully completed your three- to five-year payment plan, your remaining debt will be wiped clean.
Protect Your Assets
If you do not qualify for Chapter 7 bankruptcy, or if your Chapter 7 case has been successfully challenged by a creditor, you may be eligible for Chapter 13 bankruptcy. Unlike Chapter 7, your debts will not be automatically discharged in Chapter 13. Instead, you enter into a three-to five-year debt repayment plan approved by bankruptcy court. After that repayment period, the remaining balances on your outstanding unsecured debt will generally be discharged.
From our Missouri office, our skilled lawyer provides candid advice regarding your chances of meeting your goals through Chapter 13. One of the advantages of Chapter 13 is that your assets are protected, including your home, because filing for bankruptcy can stop foreclosure. When you meet with lawyer Jennifer Benedict, she explains in detail the entire Chapter 13 process and works with you to determine whether it is a possible solution to your financial problems.
Bankruptcy & Divorce
The Missouri firm of Jennifer Benedict Law Office provides legal services in bankruptcy and family law. With our attorney's extensive experience in both practice areas, we are well-equipped to help couples who are facing divorce and thinking about bankruptcy. As a small law firm that emphasizes quality over quantity, we provide personal attention with our team of legal professionals dedicated to meeting your needs.
