Bankruptcy Attorney in Wyoming

If your debt to income ratio is growing you may benefit from speaking with our bankruptcy attorney in Wyoming. Arnold Law Offices has been helping people get their finances back on track for over 30 years.

Chapter 7 Bankruptcy

Chapter 7 Bankruptcy provides debt relief to individuals who need it most and may allow an individual to eliminate all debt without having to repay it.

Bankruptcy Will Discharge & Stop:

  • Credit Card Bills
  • Medical Bills

  • Foreclosure

  • Wage Garnishment

  • Creditor Harassment

Bankruptcy Will Save & Protect:

  • Your Home

  • Your Car

  • Your Wages

  • Your Furniture

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy is intended to adjust the debt payments of an individual or small business with dependable and regular income.

Advantages Include:

  • Stopping collections, suits or garnishments

  • Prohibiting additional penalties or interest

  • Discharging debts not dischargeable in Chapter 7

  • Priority payment of child support and taxes

  • Cure default on house or car payments

  • Stop foreclosure

Key Benefits:

  • Keep your home and car

  • Affordable monthly payments

  • Marital debt is dischargeable

  • More control over IRS debt

Worried About Bankruptcy Myths?

Many people hesitate to file because of common misconceptions. Learn the truth about bankruptcy and discover that it’s designed to help honest, hard-working people get back on their feet.

Additional Services

Comprehensive debt relief solutions beyond bankruptcy

Foreclosure Defense

Ch 13 will stop the foreclosure and provide you with the extra time needed to cure or catch up on your past due payments.

Wage Garnishment Relief

Once filed, all collection actions, including lawsuits, wage garnishments or any other legal actions must immediately cease.

Creditor Harassment

Once a person files, creditors are no longer allowed to call or harass you in any way.

Chapter 7 vs. Chapter 13: Which Is Right for You?

Feature Chapter 7 Chapter 13
Duration Discharged 60 days after meeting with trustee 36-60 months repayment plan
Debt Discharge Eliminate unsecured debt without repaying it Discharged after plan, even if less than full amount paid
Property Keep most property (secured or exempt) Keep all secured property
Income Requirement Must pass means test Dependable and regular income required
Foreclosure All collection actions stop immediately Stops foreclosure, allows catch-up on past due payments
Best For Unforeseen hardships, quick debt elimination Saving home, managing tax debt and child support

Not sure which option is right for you? Schedule a free consultation and we’ll help you decide.

Get Expert Guidance Today

Medical debt out of control? At risk of losing your home? Squeezed by a garnishment? If so, call us now for a free consultation.