Iowa City Chapter 7 Bankruptcy Attorneys
The law firm of Johnston, Stannard, Klesner, Burbidge & Fitzgerald, P.L.C. in Iowa City, Iowa, serves clients in the areas of Chapter 7 and Chapter 13 bankruptcy under the United States Bankruptcy Code. If you are facing garnishment of your income and/or foreclosure, you need a skilled, experienced bankruptcy attorney. Bankruptcy can provide credit card debt relief and help with overwhelming medical bills and mortgage payments.
Contact Johnston, Stannard, Klesner, Burbidge & Fitzgerald, P.L.C. at 866-942-5302
toll free or submit the form on this website to schedule an appointment to review your case and to answer any questions you may have. We look forward to assisting you and will provide the individual attention and personalized service that you deserve.
Attorney Steve Klesner successfully handles all of the bankruptcy cases for our firm and has 20 years of bankruptcy experience. Bankruptcy law changed in 2005 and has become more highly technical and procedural. Therefore, if you are experiencing overwhelming debt or unmanageable financial trouble, it is more important than ever to consult a dedicated, experienced bankruptcy attorney. It is also harder now for higher income persons to qualify for bankruptcy, making it more important to consult a bankruptcy attorney on your options and responsibilities.
Chapter 7 bankruptcy can give you a full discharge of debt with no repayment. You may be able to keep your home and car as long as you are able to make the payments on them. At the moment you file for bankruptcy, an automatic stay goes into effect which prevents creditors from contacting you with collection efforts. Lawsuits and garnishments also stop when the automatic stay goes into effect.
Cedar Rapids Chapter 13 Bankruptcy Lawyers
Chapter 13 bankruptcy allows for a three- to five-year repayment plan that allows you to repay creditors some or all of the debt that you owe. Sometimes called "wage earner bankruptcy," Chapter 13 requires that you are able to pay all of your current living expenses and have disposable income left over to pay your creditors. You need to have steady regular source of income to qualify for Chapter 13 bankruptcy.
Steve is a lawyer who accepts routine as well as very challenging bankruptcy cases. We are a technologically savvy law firm that serves clients throughout the state via online meetings and other innovative technology. We provide a stand-alone website, http://iowabankruptcylaw.net/, that provides bankruptcy education and informs clients on such matters as to what information they need to gather and credit counseling requirements.
Steve Klesner can make appearances for you. The creditor meeting is the only required appearance by the person who is filing for bankruptcy. It is important to know that it can take several years to rebuild your credit and qualify for a good interest rate on a home loan. However, sometimes bankruptcy is the only solution to unmanageable debt.
Contact Our Firm
If you have questions regarding bankruptcy matters call lawyer Steven Klesner toll free at 866-942-5302 or fill out the online form on this website for an initial case consultation. We will review your case and your options with their respective benefits and drawbacks, and any alternatives to the legal process that you may have.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.