Protecting Your Rights In The Bankruptcy Process
Sometimes all it takes is the help of a compassionate, knowledgeable professional to put an end to wage garnishments, harassing phone calls and other indignities that come with debt. You have come to the right place if you need help getting a fresh start.
At the Law Office of Darlene M. Daniele, we demystify the bankruptcy process for consumers and businesses in New Hampshire and Massachusetts. You can rely on us to answer your questions, protect your financial interests and assert your legal rights in the bankruptcy process.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy, also known as consumer bankruptcy or “fresh start” liquidation, is for individuals or families whose annual income falls beneath the median income of your state of residency, or who meet the income requirement after completing the “long form”. Most people or individuals who are suffering from too little money and too many bills find that they indeed qualify for this type of bankruptcy. Chapter 7 bankruptcy is for individuals or families who can’t afford to pay back their debts, but who can use “exemptions” to maintain vitally important properties, like a home or car. We know how important it is to keep your house, car and other key assets so that you can continue to live your life normally while beginning the process of ridding yourself of debt.
Attorney Darlene Daniele helps you make a well-informed decision should you do decide to file for Chapter 7 bankruptcy. We give you all the facts you need in order to get your life back on track.
Chapter 7 bankruptcy can help you in the following ways:
- Determining if you are qualified for Chapter 7 bankruptcy
- Understanding what property is exempt from liquidation
- Strategizing how to avoid foreclosure and get creditors off your back
- Deciding what to liquidate and which debts to discharge
- Planning for your life after bankruptcy
We can help you make an informed decision about whether Chapter 7 is the right way to get your finances back on track.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a strategy of reorganization for people with large debts who do not meet the income requirements for Chapter 7 bankruptcy. Chapter 13 bankruptcy helps to eliminate unsecured debts by negotiating with debt collectors and settling for much less than is owed. The next step is coming up with a comfortable payment plan to discharge the settled amount over the course of the next 3 to 5 years. Attorney Darlene Daniele works closely with Salem-area clients on their Chapter 13 reorganization plan.
Chapter 13 bankruptcy can:
- Cease the garnishment of your wages
- Halt the repossession of your motor vehicle
- Protect your home from foreclosure
- Stop creditor harassment
- Plan for a better financial future
At the Law Office of Darlene M. Daniele, we offer you our diligent attention so you feel informed and relaxed, possessing the knowledge that you are in good hands. We organize comfortable payment plans so that you and your family are back to a state of financial security, and finished with your debt in three to five years.
Everyone Deserves A Second Chance
We look forward to helping you achieve the peace of mind that comes with a fresh start. We can go over both your bankruptcy and non-bankruptcy options. Call 603-513-2766 to schedule a consultation. From our office in Salem, we represent clients throughout the Merrimack Valley of New Hampshire and Massachusetts.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.