Bankruptcy Basics Explained

Frequently Asked Questions

  • Will bankruptcy stop creditor calls?

    Yes. Filing for bankruptcy immediately activates a court-ordered automatic stay that immediately and enforceably halts creditor communications and collection efforts.

  • Will I lose my property if I file bankruptcy?

    Many personal assets are protected under state and federal exemption laws, allowing you to retain essential property during bankruptcy.

  • How long does the bankruptcy process take?

    Chapter 7 cases typically conclude within a few months, while Chapter 13 involves a repayment plan lasting three to five years.

  • Can bankruptcy remove all types of debt?

    Not all debts are dischargeable; for example, certain taxes, student loans, and child support obligations usually remain after bankruptcy.

  • Will bankruptcy affect my credit score permanently?

    Bankruptcy impacts credit but also provides a path to rebuild financial health over time with responsible credit management.

Personalized Legal Support

Delain Law Office prioritizes tailored guidance to address each client’s unique financial situation, ensuring clear communication throughout the bankruptcy process.

Dedicated Client Care

Clear Communication

Clients receive straightforward explanations and timely updates, helping them understand their options and what to expect at every stage.

Accessible and Respectful Service

The firm offers flexible payment plans and a judgment-free environment, making legal assistance approachable for those facing financial challenges.

Trusted expertise guiding your financial recovery

Attorney Qualifications and Experience

Nancy Baum Delain has dedicated over 21 years to bankruptcy law, developing deep expertise in both Chapter 7 and Chapter 13 cases.

Her additional background in intellectual property and business law allows her to handle complex situations involving business assets, IP portfolios, and commercial matters that many bankruptcy attorneys are not equipped to address. Nancy personally touches every case from initial consultation through discharge, ensuring consistent, thorough representation and direct communication with each client throughout the process.

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