If you are receiving harassing phone calls at home or work, are concerned about how you are going to pay your outstanding debts along with keeping a roof over your head and putting food on the table, we are here to help you eliminate the worry. At Smiley & Associates we are committed to assisting individuals whose financial situation has been negatively affected by illness, job loss, bad investments or simply a mismanagement of resources.
In order to file for Chapter 7 bankruptcy you must pass a “means test”. Meaning your bankruptcy attorney will take a look at your personal income, your family size and the nonexempt assets you possess
to determine whether or not you could reasonably pay back your debts over an extended period of time. If you cannot pay back your debts with the assistance of a repayment plan from the court, you would be eligible to file for Chapter 7 bankruptcy. If you could pay back all or some of your debts over a reasonable period of time, you would most likely be eligible
to file for Chapter 13 bankruptcy.
At Smiley & Associates we understand that if you
are looking for file bankruptcy things aren’t going well financially. As a result, we offer our bankruptcy services
at reasonable rates. We know that being able to accurately anticipate the cost of your
bankruptcy attorney is absolutely necessary and will ensure that you understand the scope and costs of our services from the beginning of our relationship.
If you are considering filing for bankruptcy, we encourage you to contact us today. We can be reached by phone at 602.358.0288 or by email us and look forward to hearing from you.
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