Bankruptcy Representation
Reclaim Your Future. We’re Here to Help.
The past few years have brought financial challenges to millions of Americans. Job loss, overwhelming medical bills, unaffordable mortgages, and crushing credit card debt have left many people feeling stuck, hopeless, and unsure of what’s next. If you find yourself in this situation, you are not alone—and you do have options.
At The Knapp Law Firm, we understand how difficult it is to face financial hardship. We’re here to listen, guide, and advocate for you with knowledge, compassion, and proven legal experience.
A Personalized Approach—Starting With Listening
When you contact Knapp Law Firm, the first and most important step we take is listening. We’ll schedule a consultation where you will meet directly with an attorney, not a paralegal or assistant. Our attorneys will take the time to understand your unique financial situation, answer your questions, and walk you through every available option.
Bankruptcy isn’t a one-size-fits-all solution—and it’s not always the only solution. We’ll help you understand what path makes the most sense for your specific needs, and we’ll be with you every step of the way.
Understanding Bankruptcy Options
If bankruptcy is determined to be your best course of action, we’ll carefully explain the types available to you, including:
- Chapter 7 (Liquidation): Often the best path for individuals with little income and significant unsecured debt.
- Chapter 13 (Reorganization): Ideal for those who have steady income and wish to keep property while catching up on payments over time.
We’ll break down the advantages and disadvantages of each, and make sure you fully understand what to expect throughout the process. We’re committed to demystifying the legal side of bankruptcy and making sure you feel informed and confident at every stage.
Key Bankruptcy Considerations
Here are a few of the important legal and practical issues we’ll help you address:
Dischargeable vs. Non-Dischargeable Debts
Not all debts can be wiped out in bankruptcy. Our attorneys will review your situation to determine which of your debts—such as credit cards, medical bills, or unsecured loans—may be discharged, and which (like child support, alimony, most student loans, and debts incurred through fraud) cannot.
Filing Requirements & Documentation
Bankruptcy law includes strict documentation and compliance requirements. These may include:
- Credit counseling completion
- Detailed income verification
- A complete list of assets and liabilities
- Notices to creditors, and more.
We’ll ensure your filing is accurate, complete, and fully compliant with all court requirements.
Automatic Stay Protection
From the moment you file, an automatic stay goes into effect. This legally stops:
- Wage garnishments
- Foreclosure actions
- Repossession attempts
- Harassing creditor calls
- Lawsuits and liens
We’ll make sure your creditors follow the law and give you the space to breathe.
