Fayetteville Arkansas Chapter 7 Bankruptcy Attorney | Rogers Debt Discharge Lawyer

Eliminate Your Debts and Start Over

You're past the point of "catching up." Creditors are calling all the time. The stress is taking its toll. It's time to explore solutions.

At the Law Office of D. E. Davis, PLC, we know you didn't set out to file bankruptcy. We understand that divorce, job loss, underemployment, injury or illness force people to rely on credit cards or let their bills slide until there is no hope of repaying debts.

Let us take a look at your financial situation to see if you qualify to discharge your debts through Chapter 7 bankruptcy. Fayetteville attorney Darrel E. Davis Jr. has helped many people like you in Northwest Arkansas get a new start. Contact us today to arrange a free consultation.

Chapter 7 Bankruptcy

Also called liquidation or straight bankruptcy, Chapter 7 bankruptcy wipes out your unsecured debts such as credit cards, charge cards and medical bills.

You will not have to pay that money back.
You will not lose everything. Most people are allowed to keep most of their assets.
You won't have to be afraid to answer the phone, because creditors must stop calling and halt all collection actions as soon as you file.

You cannot discharge secured debts (such as a mortgage or car payments), student loans or child support. However, by eliminating your other debt, you should be able to meet those obligations and can begin to rebuild your damaged credit rating.

Those who do not qualify for Chapter 7 can still pursue Chapter 13 bankruptcy, which gets creditors off your back while you to repay debts over time.

We will take the time to explain the process, answer your questions and address your fears about who will know or life after filing bankruptcy.

The "new" law: Congress changed the Bankruptcy Code in 2005, requiring an income means test and additional documentation. Most people who would have been eligible before will still qualify for Chapter 7 bankruptcy. The law also requires a credit counseling course before filing and a financial management course before your debts are discharged. We can help you find an approved agency — the courses can often be done over the Internet.

There is no shame in bankruptcy. Hundreds of thousands of people file for Chapter 7 bankruptcy every year — honest, working Americans like you who gradually got in over their heads. Call one of our lawyers at 877-231-0627 to make an appointment. We welcome all inquiries in Washington County, Benton County, and all Northwest Arkansas.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.