Chapter 7 Consumer Bankruptcy

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Kansas City Chapter 7 Bankruptcy Lawyer

Has your debt accumulated to an unmanageable level? Have you been a victim of constant creditor harassment or litigation threats to recover debt? The William P. Turner Law Office.  A.can help you take control. I have been practicing law since 1990. I have extensive knowledge of the bankruptcy laws and how to effectively help clients achieve a fresh financial start. Contact my Overland Park law office for a free initial consultation with an experienced Kansas City credit card debt attorney.

Filing for Chapter 7 Personal Bankruptcy

If unsecured debt (debt not secured by a mortgage or lien) exceeds forty to fifty percent of your annual income, filing bankruptcy is usually the only option. Under Chapter 7 of the Bankruptcy Code, individuals are able to eliminate significant debt. Although Chapter 7 bankruptcy is also known as liquidation bankruptcy in which property can be sold to pay creditors, most people who file bankruptcy are able to keep all of their property.  However, debtors cannot discharge the following debts under Chapter 7:

• Past due child support payments
• Most school loans
• Some other ineligible debt
• Some taxes

Who Qualifies for Chapter 7 Bankruptcy?

If an individual's income is below the median income based on the family size and location, the individual will likely be automatically eligible. Individuals whose income is greater than the median income must submit to the "means test" to determine eligibility. Essentially, the individual must deduct reasonable living expenses from their monthly income (according to the previous six months income) and compare to determine whether the client has too much disposable income.  As an experienced Chapter 7 bankruptcy attorney, I can explain the "means test" and help you evaluate your personal situation.

Stop Creditor Harassment, I Can Help

Many individuals have a misconception of the impact of the new bankruptcy laws. As an experienced bankruptcy law attorney, I have a thorough understanding of the new law. The changes are significant but that should not deter you from talking to Mr. Turner to see if he can help.

For experienced assistance or guidance regarding filing for bankruptcy, contact my bankruptcy law office today. I am an experienced Kansas City Chapter 7 bankruptcy lawyer and I offer a free initial consultation.

Please visit my Bankruptcy FAQ which answers many common bankruptcy questions.

William P. Turner Law Office, P. A.
7920 Conser Street
Overland Park, KS 66204
Phone: (913) 649-4700
Fax: (913) 648-7915
E-mail 

Disclaimer
The information contained in this web site is intended to convey general information. It should not be construed as legal advice or opinion. It is not an offer to represent you, nor is it intended to create an attorney-client relationship. Any e-mail sent via the Internet using e-mail addresses listed in this Web site would not be confidential and would not create an attorney-client relationship. No person should act or rely upon the information or materials available from this Web site without professional advice.

I am a federally designated debt relief agency. I help people file for bankruptcy relief under the Bankruptcy Code.

Located in Overland Park, Kansas, the William P. Turner Law Office provides bankruptcy services to clients in the Kansas City Metro Area in Kansas, including Overland Park, Kansas City, KS, Olathe, Merriam, Shawnee, Mission, Leawood, Lenexa, Leavenworth, Prairie Village, Gardner, De Soto, Bonner Springs, Paola, Osawatomie, Lawrence, Louisburg and Tonganoxie.

Johnson County, Miami County, Leavenworth County, Wyandotte County, Douglas County