If you're facing out-of-control debt, you may be thinking about filing bankruptcy. Whether you're facing credit card bills you can't pay back or foreclosure on your home, bankruptcy protection can provide relief from creditor harassment while you get a fresh start. At Rainwater, Holt & Sexton, we know state and federal bankruptcy laws, and we're here to help you find the debt relief solution that's right for you.
When You Should File Bankruptcy
Filing bankruptcy may be able to provide the debt relief you need if you're facing:
- Back taxes or judgments from the IRS
- Home foreclosure
- Legal action from creditors or bill collectors
- Repossession of your car or other property
- Wage garnishment
Depending on the type of bankruptcy you choose, you may be able to discharge some of your unsecured debts or initiate a court-ordered payment plan to pay back your debts faster than you could without filing bankruptcy.
Debts Not Discharged by Bankruptcy
Before you file bankruptcy, it's important to know the types of debts that can't be discharged by Chapter 7 or Chapter 13 bankruptcy.
- Alimony and Child Support
- Student Loans
- Criminal fines or penalties
- Civil judgments against you resulting from DUI motor vehicle accidents
When you contact Rainwater, Holt & Sexton, our legal team will review your finances and give you honest answers about bankruptcy and whether it's right for you. To learn more about what bankruptcy can and cannot do, download our free PDF now.
We're Available 24/7
No matter where you live in Arkansas, our bankruptcy lawyers want to help. With offices in Little Rock, Fayetteville, Conway, and Hot Springs, we're never far away. Call Rainwater, and let us help you weather the storm today. Dial our 24/7 legal team at (800) 767-4815 or complete our free contact request form to contact us online anytime.
*We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code.
*The No Fee Guarantee® does not apply to bankruptcy cases.