If job loss, a mountain of credit card debt, an expensive hospital stay or a costly divorce has caused you to slip into debt, you have options. You do not have to feel trapped financially for the rest of your life. An experienced Carmel Chapter 7 bankruptcy attorney can help you gain the fresh start you need.

Helping Clients Break Free of Debt for 25 Years

Debt relief attorney Steven J. Halbert has the financial skills and legal knowledge that can help restore your confidence and give you hope. His command of Chapter 7 bankruptcy law has helped many individuals and families in Indiana get back on sound financial footing for 25 years. Contact our Carmel Chapter 7 bankruptcy attorney to learn how he can help you climb out of debt during a free initial consultation.

The Truth About Filing for Consumer Bankruptcy

Mr. Halbert wants you to know that a bankruptcy filing does not mean you have failed in any way. Bankruptcy is not for failures. Bankruptcy is for people who have fallen on hard times through no fault of their own — hardworking providers and parents who realize the need to seek the help they deserve, through legal protections designed with them in mind.

Steven J. Halbert explodes the myths about bankruptcy and erases the stigma that many financially distressed people feel. He will arm you with facts and options that can help you become debt-free. Most importantly, he gets results for his clients with Chapter 7 and Chapter 13 bankruptcy methods that work.

What Is the Benefit of Filing for Chapter 7 Bankruptcy?

Chapter 7 is a fresh start bankruptcy strategy that simply discharges unsecured debts and allows people to start over with a clean slate. While Chapter 13 bankruptcy reorganizes debts into a comfortable repayment plan, Chapter 7 bankruptcy does not require regular payments to creditors.

Many people worry about losing their homes, cars and other major possessions after a Chapter 7 filing. If you qualify for Chapter 7 protection through the means test, Steven J. Halbert will use his knowledge of Indiana property exemptions to help you retain your property while eliminating:

• Medical debts
• Credit card debts
• Other unsecured debts

Attorney Halbert can also employ the automatic stay of consumer bankruptcy to stop mortgage foreclosure proceedings, halt the garnishment of your wages, prevent the repossession of your motor vehicle and stop creditor harassment. After filing for Chapter 7 bankruptcy, Mr. Halbert can help you establish a fair and accurate credit score report that can make you attractive again to a broad range of lenders and financial institutions.

Contact Our Skilled Indianapolis Debt Relief Attorney Today

If you are out of a job, unable to pay your bills, or facing the threat of a home foreclosure or wage garnishments, contact our debt relief lawyer today for a free initial consultation in Carmel, Indiana. Steven J. Halbert has the experience, legal skills and client commitment that can point you to a brighter tomorrow.

Our fees are low and there are no gimmicks or hidden charges. Flexible payment plans are available, and we can accommodate your need for an evening appointment.

Steven J. Halbert's law office is a debt relief agency dedicated to counseling clients according to federal Bankruptcy Code.