Benefits of Filing

The Benefits of Chapter 7

Many hard-­‐working people run into financial difficulty through no fault of their own. A layoff, a divorce, or major medical problem can push you to your financial limit. But you do not have to suffer financial hardship. With a Chapter 7 personal bankruptcy filing, you may get debt relief, more disposable income, and stop the threat of foreclosure or repossession. You do not have to worry about how you will ever get out from under the bills and debts you owe. You can face the future with hope and optimism again. Crumley & Wolfe can help you take control of your financial future.

Crumley & Wolfe can evaluate your situation in a free consultation. We may recommend a Chapter 7 filing or a Chapter 13 filing. Both options can lift your debt burden and give you a new financial life. Chapter 7 personal bankruptcy is ideal for people without significant assets who have hit a bump in the road and want a fresh start. After a brief meeting with an attorney at our firm, we may be able to file your case and immediately stop creditor harassment and calls from collection agencies.

With a Chapter 7 filing, you can say goodbye to:

  • Credit card debt
  • IRS debt
  • Tax bills more than 3 years old
  • Garnishment and the threat of foreclosure and repossession
  • And other unsecured debts and obligations

You can:

  • Free up income that used to go toward interest and late fees
  • Keep your house, car, and personal possessions if you are current in payments for them
  • Begin rebuilding your credit rating
  • Start a new financial life

Crumley & Wolfe charges convenient flat fees and offers long-­‐term payment plans for those that qualify. We devote our practice solely to bankruptcy, so we can provide skilled and knowledgeable services in an efficient manner.

With the help of Crumley & Wolfe, in just a short period of time you may bay be able to eliminate unsecured debts and get tax debt relief, and be on the way to a more secure financial future.


The Benefits of Chapter 13

Despite what you may have heard, the bankruptcy process is still available for those people who need to find their way out of debt. If you are a wage earner with a regular income, you can eliminate some debts and reduce others by filing for Chapter 13 bankruptcy. You can pay back taxes, back child support and alimony, and a small amount on your remaining debt each month, without penalties or interest. After a few short years, you can emerge from the process with confidence and the expectation of better times ahead.

The firm of Crumley & Wolfe has helped thousands of people get out from under the burden of debt – and we can help you. Call (904 or send us an e-mail to schedule a free consultation.

Protecting Your Home, Car, and Personal Property

A lawyer at our firm can discuss your options and whether a Chapter 13 bankruptcy is right for you. For some people, we recommend a Chapter 7 bankruptcy filing. Whatever option you choose, we can take action that very day. As soon as we file for you, we can stop foreclosure actions, repossession actions, garnishment, and creditor harassment.

Under Chapter 13, you can keep your home, your car, and personal property. We may even be able to remove a second or third mortgage entirely. Your unsecured debts are reduced or eliminated. You will have a manageable monthly payment to repay a portion of your debts from your disposable income. A new financial future may be possible for you.

We Guide You Through the Process

At Crumley & Wolfe, our job is to guide our clients to a new and better life after bankruptcy. We take care of everything – from filing papers in court, to negotiating with creditors to reduce your debt, to developing a repayment plan and getting it approved by the Court.
At the time we file Chapter 13 bankruptcy for you, you will owe only the court filing fee. Crumley & Wolfe offers reasonable upfront fees and payment plans to help you preserve your money.

Call now – debt relief and financial freedom are just a phone call away.

The law firm of Crumley & Wolfe has helped thousands of people relieve their burden of debts, by filing Chapter 7 and Chapter 13 Bankruptcy – and we can help you. Call (904) 374-0111 In Florida or (912) 673-7499 in Georgia or send us an email to schedule a free consultation. We are available 24 hours a day 7 days a week.