Bankruptcy

Helping People Get the Debt Relief They Need

Many different circumstances lead people to file bankruptcy. Maybe job loss or health issues have made it impossible to both support your family and pay back your debts. Maybe you are getting older and you are concerned that you will not be able to retire due to your debt burden. Or maybe you have found it impossible to pay off college loans and meet your other financial needs.

These and many other situations are good reasons to consider whether the bankruptcy law provides the right solution for you. I am Indiana attorney Lawrence C. Arany, and I can help you make an informed decision about bankruptcy and represent you if you choose to file. Contact me at my offices in Indianapolis to learn more.

Addressing Bankruptcy Concerns Effectively

I have found over the years that different clients have different concerns about bankruptcy law. Some have not decided whether filing bankruptcy is the right debt solution. Others want to file but want to make sure they are going to benefit from the bankruptcy process without losing everything.

Whatever your concerns are, I will work hard to address them. Among the major topics I frequently address with clients are the following:

• Foreclosure and garnishment: The threats of foreclosure and/or garnishment are major reasons why people consider bankruptcy. Filing bankruptcy can stop these serious threats in their tracks.
• Should I file bankruptcy?: The decision to file bankruptcy should be made based on an understanding of your eligibility and the potential consequences of filing for bankruptcy relief, as well as the potential consequences of not filing.
• Which chapter?: The most common types of bankruptcy for individual consumers are Chapter 7 and Chapter 13. Which chapter is best for you depends on your specific circumstances and goals.
• The bankruptcy process: It is always best to go into bankruptcy with an understanding of what to expect during the process. Each case is different, and an experienced lawyer can help you understand what is likely to happen.

I have been devoting a large portion of my practice to bankruptcy for more than a decade. I have been through changes in legislation, especially the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), and I have been very successful at getting fair results for my clients under evolving legal standards.

Filing bankruptcy is a serious decision, and if you decide to file, you should make sure you are doing so in a way that will allow you to pursue the best possible results. To discuss your options under U.S. bankruptcy law, contact me today.