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Ketchikan Bankruptcy Lawyers

Helping you find debt relief
When mounting debt begins to feel unmanageable, bankruptcy can provide relief. Lawyer Michael P. Heiser, in Ketchikan, Alaska, can help you decide if filing for bankruptcy is the most effective way for you to take control of your debt and can help explore alternatives to bankruptcy.

Debt analysis assistance
I have been assisting people with overwhelming debts for 27 years. I analyze your case to determine if bankruptcy will advance your immediate and long-term financial goals. I review your debts, income and expenses, and explain the effects of bankruptcy on your family, business, homeownership and access to credit. If bankruptcy is the right choice, I can provide detailed information about the bankruptcy process and a complete picture of the outcome you should expect. My upfront approach to bankruptcy gives you confidence in your financial future.

Reprieve through automatic stay
Filing a bankruptcy petition automatically triggers a stay, meaning creditors must immediately stop collection efforts, including letters and phone calls. I correspond with your creditors from the moment you prepare filing for bankruptcy and act entirely on your behalf.

Common bankruptcy options
Chapter 7 bankruptcy
Chapter 7 bankruptcy is available to individuals and businesses looking to quickly and simply resolve your debts. Provided you pass the court’s means test, Chapter 7 bankruptcy grants you relief from debts. Because many household and personal items are exempt, you can make a fresh start with limited disruption to your life.

Chapter 13 bankruptcy
An option for families facing foreclosure or for those with higher incomes, Chapter 13 bankruptcy permits you to pay off debts under a court-ordered installment plan extending three to five years. This option provides numerous advantages, including the possibility of keeping your home.

Contact an experienced bankruptcy attorney in Alaska
Call me to schedule your free bankruptcy consultation at 907.225.1910 or contact online.