(37 Ratings & Reviews)

Justice. One Client at a Time.


Chapter 7 Bankruptcy

– BBB-Accredited Law Firm
– Case Evaluation
– Quick Legal Solutions

Protect Your Finances with a Bankruptcy Filing

Are you struggling with credit card debt or medical bills? If so, filing for bankruptcy may be a way to get a fresh start. Debt can sadly, easily spiral out of control. If you’re only one missed paycheck from financial ruin, contact Heartland Law Office PC.

How Does Bankruptcy Work?

The process of bankruptcy is designed to protect individuals or businesses that cannot repay their debts. Your debt will be eliminated or restructured in a manageable way. The process is overseen by the federal bankruptcy courts, each of which is managed by a trustee. The most common type of bankruptcy for individuals is Chapter 7 also known as liquidation.

Learn How Bankruptcy Can Protect You

 Chapter 7 bankruptcy eliminates your debt, once you’ve filed for bankruptcy, an “automatic stay” goes into place, which is meant to stop all creditor actions.

Some of these actions that you are protected from include:

  • Collection calls
  • Eviction from a rental property
  • Home foreclosure
  • Utility disconnection
  • Wage garnishments
There are protections provided by the automatic stay, but the debt related to your utility bills and housing will still need to be paid. The automatic stay means that no one can take action against you, but it does not cancel all of your related debt.

What Types of Debt Are Affected by Bankruptcy?

  • Credit card debt and medical debt CAN be discharged through bankruptcy.
  • Student loan debt and IRS debt CANNOT be discharged through bankruptcy.

We Are Here To Answer Your Questions

You surely have concerns and questions when considering filing for bankruptcy. Speak to Patrick Waters of Heartland Law Office for details about how a bankruptcy filing can help your specific situation.

Contact us for a case evaluation and learn how the protections offered under the U.S. bankruptcy code will apply to you. Trust a law firm that is fully accredited by the Better Business Bureau.

Call for a Case Evaluation

Trust an experienced attorney with a track record of winning.

(701) 587-8423

Call for a Case Evaluation

Trust an experienced attorney with a track record of winning.