A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts.
A chapter 7 bankruptcy case does not involve the filing of a plan of repayment as in chapter 13. Instead, the bankruptcy trustee gathers and sells the debtor’s nonexempt assets and uses the proceeds of such assets to pay holders of claims (creditors) in accordance with the provisions of the Bankruptcy Code.
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A written document in which one person (the principal) appoints another person to act as an agent on his or her behalf, thus conferring authority on the agent to perform certain acts or functions on behalf of the principal.
The staff of Harmon & Gorove understand the difficult and emotional issues that you are facing when coming to our office. We understand that bankruptcy is a last resort and that it is a difficult decision that must be made. We provide you a relaxed, comfortable office environment, a simple yes/no questionnaire, and an immediate one on one consultation with an Attorney to discuss your financial situation.