Bankruptcy Attorneys in Nampa

Helping You Achieve Debt Relief

If you are struggling to pay off your debts, you are likely considering filing for bankruptcy. However, given the social stigma that surrounds it, you might feel hesitant to pursue it. The truth is that bankruptcy is often one of the few choices people have when it comes to reviving their finances and rebuilding their credit score. At Avery Law in Nampa, our bankruptcy team will provide the legal advice you need to make the best choice for your circumstances. Your financial future is at stake, so put your trust in a team that can protect it.

Contact Avery Law in Nampa today at (208) 285-2085 to schedule a consultation with one of our knowledgeable bankruptcy attorneys!

Is Bankruptcy Right for You?

Bankruptcy can help wipe the slate clean and pave the way for you to restore your finances. Unfortunately, bankruptcy cannot discharge all debt. If you have overdue child support payments, student loans, or back taxes, bankruptcy will not be effective in providing debt relief. Therefore, you should first examine the type of debt you have before you proceed with the process.

Below are the types of debt bankruptcy can discharge:

• Medical bills
• Credit card bills
• Business debts
• Past due utility bills
• Civil court judgments, unless it involved fraud
• Collection agency accounts
• Repossession deficiency balances

If you are receiving harassing phone calls from creditors, filing for bankruptcy will also put a stop to their relentless onslaught of calls and letters, giving you some peace of mind during this challenging time.

How Long Will a Bankruptcy Stay on Your Credit Report?

One of the biggest questions people have when considering bankruptcy is the effect it will have on their credit score. If you file for a Chapter 7 bankruptcy, it will remain on your credit report for 10 years. If you file for a Chapter 13 bankruptcy, it will remain on your credit report for 7 years. However, you can begin rebuilding your credit score as soon as you complete the process of filing for bankruptcy. Although this might sound daunting to some, chances are that, if you are considering bankruptcy, you might never fully pay off your debts or improve your credit score if you continue down the same path. 7 to 10 years is not too long a wait in the grand scheme of things, especially if you already spent years struggling to pay off your debts to no avail.

Reach Out to Our Experienced Nampa Bankruptcy Team Today!

If you cannot pay off your debts, you probably feel hopeless or fear that you will never overcome this financial predicament. At Avery Law in Nampa, our bankruptcy team has more than 6 decades of combined experience and a commitment to helping clients navigate one of the most difficult experiences they will ever endure. Let our team help you find a solution to unburden you from unmanageable debt.

Get started today and contact our team today at (208) 285-2085 to set up an initial consultation with one of our experienced bankruptcy attorneys to learn more about your options.