Marine View Law & Escrow

Guiding Clients Through Chapter 7 Bankruptcy

At the office of Marine View Law & Escrow, P.L.L.C., I am attorney Renee Roman and I bring legal counsel to individuals who seek to discharge debts under Chapter 7 and Chapter 13 of the federal bankruptcy laws. I offer comprehensive representation, taking over all legal matters related to your bankruptcy filing. I will assist you throughout the bankruptcy process, from the initial filing until your case is finally resolved.

My Chapter 7 Bankruptcy Practice

When you hire me to assist you with bankruptcy, I will start by determining whether you are eligible to permanently discharge debts under Chapter 7. Under the 2005 revisions to the bankruptcy laws, you must qualify under a "means test," demonstrating to the bankruptcy court that you lack the financial means to repay your creditors over a three- to five-year period.

I will explain the means test and verify that you qualify for Chapter 7 protection, and then will prepare and file all the paperwork to complete the process. I will protect you from creditors and will represent you at the 341 Hearing in Bankruptcy Court, working directly with the bankruptcy trustee to discharge your debts. Before you file, I will carefully explain which debts cannot be discharged, such as student loans, child support obligations and taxes. I will advise you regarding what property you can keep, whether this is your home, vehicles or other property used in your business, or other personal property.

When you file for protection under Chapter 7, you will be immediately protected by the automatic stay under the bankruptcy laws. This prohibits your creditors from calling, writing or taking other legal action to recover debts from you. I will work closely with you and will help you stop garnishment or foreclosure proceedings, if necessary.

There are some debts and obligations that will not be discharged in a Chapter 7 bankruptcy. These debts include:

  • Federal, state and local taxes that became due in the last three years;
  • Court-ordered fines and restitution;
  • Student loans;
  • Any debt for death or personal injury cases caused while driving while intoxicated;
  • Debts based on fraud, theft or dishonesty;
  • Debt you incurred to pay off nondischargeable debt;
  • Spousal and child support along with other divorce-related debts;
  • Divorce and property settlements, which are not dischargeable unless the other party agrees to the discharge;
  • Debts that were not listed in your bankruptcy petition; and
  • Any debts incurred after you filed for bankruptcy.

If for any of the above reasons you are not a good candidate for Chapter 7 bankruptcy, you may still be a good candidate for Chapter 13 bankruptcy. Please contact my office today to discuss your options.

Contact Marine View Law & Escrow, P.L.L.C.

I provide a confidential consultation to all new clients. To schedule a meeting at my firm, contact me by email or call my office at 206-701-6564 or 877-449-4819.

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