Get A Fresh Start Through Bankruptcy
What would your life be like if you could get out from under heavy debt? Imagine waking up tomorrow morning knowing that you won’t have to answer any more collections phone calls or find any more threatening letters in your mailbox. Gean, Gean & Gean Attorneys At Law can help.
Keep Your House And Car
Worried about losing your house and car if you file for bankruptcy? We can often help our clients find ways to eliminate or restructure their debt and keep their house and family car. Bankruptcy gives you the fresh start you are looking for, without turning your life upside down.
We offer a free consultation to discuss your current debt problems. We will explain the bankruptcy process and show you how the U.S. Bankruptcy Code can help you get a fresh start. From our offices in Fort Smith, our debt relief lawyers are licensed to represent clients in communities throughout western Arkansas and eastern Oklahoma.
Chapter 7 (Arkansas And Oklahoma)
Chapter 7 is what most people think of when they consider bankruptcy. Under Chapter 7, you will be able to discharge (eliminate) all or most of your consumer debt, including credit card debt, medical bills and tax debt under certain conditions. Many people are able to keep their house or car by agreeing to continue to make timely monthly payments. Not all types of debt may be eliminated, such as student loans.
Chapter 13 (Arkansas Only)
Not everyone qualifies for Chapter 7 because they don’t have enough debt compared to their income. Almost everyone will qualify to restructure their debt in an affordable court-supervised monthly payment plan under Chapter 13. When filing Chapter 13, you can include every type of debt in a three- to five-year repayment plan. Chapter 13 can save you many thousands of dollars in interest, late fees and penalties. At the successful completion of the plan, your remaining debts owed are eliminated.
Stop Creditor Harassment — Automatic Stay Goes Into Effect Immediately
When you file for bankruptcy, all creditors’ legal proceedings and collections actions against you are automatically stopped. You can tell the bill collectors to call your lawyer. Put a stop to:
- Mortgage foreclosure
- Wage garnishment
- Property liens and levies
Other Debt Relief
If filing bankruptcy isn’t your best option, we may be able to help you lower your monthly credit card bills by negotiating lower interest rates and balance amounts with your creditors.
Talk To A Bankruptcy Attorney Today
Contact us by email or call our offices in Fort Smith at 479-222-1520 to arrange a free consultation with one of our attorneys. Our general office hours in Fort Smith are 8 a.m. to 5 p.m. Flexible evening and weekend consultations may be available by special arrangement.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.