Do not endure another sleepless night. We are here to guide you through the legal complexities of your personal bankruptcy case.

Arkansas Bankruptcy Lawyers

Knowledgeable Legal Team Serving Saline County

At Skelton & Stevens Legal Group, our bankruptcy services are specifically tailored to individuals on Social Security disability. We understand that medical bills can quickly pile up, and we want to help you free yourself from that burden.

Although bankruptcy might sound like a scary thing, it is actually a great way for people to get out of debt. Our Arkansas bankruptcy attorneys are here to help you gain a clearer picture of how filing for either Chapter 7 or Chapter 13 bankruptcy could be just what you need to get a fresh start.

We would love the opportunity to sit down with you during a free consultation to discuss your specific situation and explain your options. Give us a call today at (501) 271-3811 to schedule your appointment.

What Type of Bankruptcy Should I File?

If you have fallen behind on payments for medical expenses and are looking for relief, filing for bankruptcy might be a good option for you to consider. Under the Bankruptcy Code, there are several different forms of bankruptcy.

The two most common forms of bankruptcy for individuals include:

  • Chapter 7 – This type of bankruptcy enables you to wipe away your debts, without the concern of past-due payments. Also known as "liquidation bankruptcy," Chapter 7 involves a court-appointed trustee liquidating, or selling, some of your assets to repay some of your debts. After that money is dispersed to your creditors, the remaining debt will be discharged, or cancelled, leaving you with no more unsecured debts to pay.
  • Chapter 13 – Rather than liquidating your assets, Chapter 13 involves reorganizing your debt into a structured repayment plan over a 3-5-year period. You would make one payment each month to a trustee, who would then disperse the appropriate funds to your creditors. Once you complete all payments that are a part of the plan, the remaining debts will be discharged.

Choosing the right form of bankruptcy for your particular situation is crucial for your success and should only be done with an experienced legal representative on your side. When you turn to Skelton & Stevens Legal Group, our bankruptcy attorneys can competently guide you every step of the way. From helping you select the right filing type to ensuring that you have a strong case to submit to the court, you can depend on our seasoned lawyers.

Our Arkansas bankruptcy attorneys can help you make an informed decision about your future. Call Skelton & Stevens Legal Group today at (501) 271-3811 or contact us online for reliable legal counsel.

Filing for Bankruptcy & Social Security Disability

You might be wondering, "How will my disability benefits be affected by filing for bankruptcy?" In a Chapter 7 bankruptcy, disability benefits are typically considered "exempt" and, therefore, remain protected. However, the specific rules for this are complex and best explained by our attorneys in person.

In Chapter 13 bankruptcy, you will need to disclose your disability payments in your bankruptcy budget. They will be taken into account when determining the amount of the monthly payments. In addition, if the court decides that some of your disability benefits are not exempt, they will require you to contribute that amount towards paying back your unsecured debts.

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