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Chapter 7 Bankruptcy Lawyer

Debt Relief In West Virginia & Maryland

You go to sleep worrying. You dread waking up. You avoid opening the mailbox or answering the phone. If your debts have taken over your life or creditors are taking legal action, it's time to consider bankruptcy.

With the help of an experienced lawyer, you can wipe many of your debts clean and get a fresh financial start. I am James E. Smith II, a Chapter 7 bankruptcy attorney in Keyser. In 33 years of practice, I have helped hundreds of West Virginia and Maryland clients get out of debt.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy will not cure all your financial problems, but it will give you immediate relief from creditors and allow you to reset your finances.

If you qualify under Chapter 7 of the Bankruptcy Code, you can:

Most of my clients are able to keep their homes, cars, retirement savings and other assets. (Only assets not covered by the bankruptcy exemptions are forfeited.) On the day that your petition is filed with the court, all creditor actions and collection efforts must halt. Once your debts are discharged, you do not owe anything.

Who Can File Chapter 7?

Chapter 7 is for individuals, couples and families who are unable to pay their debts and who pass the income “means test.” You may not be a candidate if you earn too much, are behind on mortgage payments or stand to lose nonexempt property. I also help clients file or convert to Chapter 13, which stops foreclosure and other creditor actions but requires partial repayment of your debts.

Explore Your Debt Relief Solutions

Bankruptcy is a big step. I can help you separate fact from fiction to make an informed decision. (You won't lose everything. You won't ruin your credit rating.)

I serve Mineral, Hampshire, Hardy, and Grant County of West Virginia, Allegany, and Garrett County of Maryland, as well as the surrounding areas on all sides of the Potomac River. Call 304-209-6204 or 877-405-9337 for a consultation, or contact me online.

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

Contact Me Today

James E. Smith II is committed to answering your questions about the above practice areas in West Virginia, Maryland, Virginia, Pennsylvania, & District of Columbia. I'll gladly discuss your case with you at your convenience. Contact me today to schedule an appointment.