Filing Bankruptcy In Montana

Mt Affordable Law, office is an experienced bankruptcy firm. If you are facing bankruptcy, it is very important to have an attorney help you through this complex process. Call us at 406-272-4433 to schedule a free confidential with a caring attorney.

Bankruptcy filings are done in the federal bankruptcy system. However, there are numerous local rules and statutes, unique to Montana, which must be followed. We are very familiar with bankruptcy practice in the local bankruptcy courts and are confident that we can help you achieve peace of mind and move ahead with a fresh start.

Keeping Your Property

In order for you to have a fresh start, we want to help you keep as much of your existing property as possible. If you own a home, a car or have retirement savings, keeping them after the bankruptcy is over, is a top priority. If you are facing auto repossession or need foreclosure defense, attorney John Huntley can help.

It is generally possible under the bankruptcy laws to completely discharge your debt or to negotiate a payment plan with creditors. Which option applies to you is something that we will determine based upon your individual goals and financial situation. Often the choice — and your eligibility — is governed by the laws and depends upon the assets and liabilities you have.

Chapter 7 Or Chapter 13

Filing bankruptcy in Montana is available to a debtor under the U.S. Bankruptcy Code. Most personal filings are made under provisions known as Chapter 7 or Chapter 13. We will discuss these options with you after we meet with you to understand the unique facts of your case.

Preventing Harassment By Creditors

We can also help stop the calls and harassment by your creditors once your case is filed. The bankruptcy laws provide for something called an automatic stay that protects you once you file.

Contact us or schedule your free initial consultation by calling 406-272-4433. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Keeping Your Property With Assistance From A Bankruptcy Attorney

Generally, people are most worried about what will happen to their home, their car and their retirement accounts. Call us at 406-272-4433 to discuss keeping these during and after a bankruptcy filing.

Your Home

One of the first questions most clients ask is whether they will be able to keep their family home. Worrying about losing their home in consumer bankruptcy or foreclosure is foremost on most people’s minds. Being forced to move in the midst of all of the other stresses you are facing causes many other problems and greatly affects the entire family.
Keeping your home means that your children can stay in their same school. It helps the family maintain stability in the midst of a difficult time. Whether you are able to remain in and keep your home are determined by the laws in Montana and the federal Bankruptcy Code.
We will review how much you owe on your home, what it is worth, whether or not it is already in foreclosure and your marital status. In light of these and other financial factors and ratios we can recommend the best course of action that the bankruptcy judge is likely to approve.

Your Car

Being able to keep a car might be the difference between keeping or losing your job or bringing your children to school every day. Losing your vehicle could make your already dire situation much worse.
Whether you can keep your car depends upon your individual financial circumstances and under which provision or bankruptcy chapter you file. We will investigate every possibility to help you keep your car.

Your Savings And Retirement

The amount of money you have in savings or retirement, the types of accounts the funds are placed into, who owns the accounts — along with many other factors — determine whether or how much of your savings you can keep after the bankruptcy.
A bankruptcy judge could order that available funds be used to pay creditors in certain cases.

Contact an Albuquerque lawyer at Affordable Law, PC, for a free consultation about protecting your assets at 406-272-4433.

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