VICK LAW FIRM, LLC
Bankruptcy  •  Real Estate  
Kansas City downtown

FIRM OVERVIEW
ATTORNEY PROFILE
PRACTICE AREAS
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Real Estate
CONTACT
 
GET RID OF Credit Card Debt, Medical Bills, Utility Bills, Lawsuits, Old Repossessions
Stop Wage and Bank Garnishments Stop Repossession Stop Foreclosure Stop Real Estate Liens

Chapter 7 Bankruptcy

Chapter 7 bankruptcy allows individuals to eliminate most debt, including credit card debt, judgments, medical bills, deficiency balances related to old repossessions and foreclosures, and move forward with their lives without the loss of their exempt assets. Chapter 7 bankruptcy also enables business owners of failed businesses to close down their operations quickly and efficiently.

Chapter 7 bankruptcy is a good option when you have too much debt, you have too many creditors to effectively consolidate your debt, and your assets can be protected.
Contact The Vick Law Firm and an attorney will assess your individual case and provide you with a solution that will work for your situation.

The Bankruptcy Process
Chapter 7 eligibility is generally based on a mathematical calculation known as the "means test," which compares your income to income of others in the same household size in your area. If your income is above the median income for your household size, calculation of your expenses is necessary to determine your ability to repay your debts. Therefore, there are some situations where individuals with higher income levels may qualify for Chapter 7 relief. You will need to complete a pre-filing bankruptcy course (online or the telephone) before you file Chapter 7 bankruptcy, a process which generally lasts 3 to 4 months. Once you file bankruptcy, the Bankruptcy Code's automatic stay goes into effect, which stops garnishments and prohibits most creditors from contacting you about your debts.

Approximately thirty (30) days after you file bankruptcy, your 341 Meeting will occur with a Court appointed Chapter 7 trustee, an attorney, who will ask you questions about your petition and schedules. Creditors can appear at the Meeting, however, in most situations, creditors do not appear. Most 341 Meetings last about five (5) minutes, and generally, you will not have to go before a Judge.

After your 341 Meeting, you will need to complete your personal financial management course (online or the telephone), as well as take action to reaffirm, redeem, or surrender your personal property. You may be able to file Chapter 7 bankruptcy and keep your house or car. Contact The Vick Law Firm at (816) 421-1769 or via email for a FREE telephone consultation.

Affordable Fee Plans
The Vick Law Firm is committed to delivering aggressive and creative debt solutions at affordable fees. We have developed an innovative fee structure that allows us to bundle legal services for a flat or monthly fee for most bankruptcy cases. This enables our clients to cap their costs for legal services or plan their monthly expense for filing chapter 7 bankruptcy.

For a FREE consultation, contact The Vick Law Firm at (816) 421-1769 or via email.
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VICK LAW FIRM, LLC
106 West 11th Street, Suite 1103
Kansas City, Missouri 64105
Phone: (816) 421-1769
Fax: (816) 421-1769