Accomplished Iowa Attorney Helping Families Manage Debt Through the Bankruptcy Process
Providing Quad Cities residents protection and relief from creditors through the legal process
We help individuals located in Scott, Rock Island and surrounding counties who are struggling with creditors and the burden of unmanageable debt, At H. J. Dane Law Office, my goal is to make that process as easy as possible. I will take the time to ensure my clients understand the advantages and disadvantages of filing for bankruptcy. I understand that bankruptcy is not the right solution for everyone, and I will be the first to tell you if you should explore other options. Instead of taking a “one size fits all” approach, I create a tailor-made strategy for each and every client.
Determined lawyer explains bankruptcy process
Attorney Jack Dane has helped thousands of clients in the Quad City area get a fresh start by helping them with their Bankruptcy filing. Jack will provide you with a variety of solutions to debt-related problems such as foreclosure, repossession, wage garnishments, lien avoidance, utility shut off, driver’s license suspension, judgment, and creditor harassment. Attorney Dane will personally answer your questions, return your calls, and keep you informed about the status of your case. He handles EVERY aspect of your case and you can count on receiving the attention you deserve.
Legal advocate advises clients on choosing the right bankruptcy method
The federal Bankruptcy Code provides a number of different methods for Americans to settle their debt issues, both for businesses and individuals. For an individual looking for debt relief, the two most common options are to file for:
- Chapter 7 bankruptcy — This is the most commonly used type of bankruptcy for individuals who pass the means test and qualify for their debts to be discharged. Under this Chapter 7, the filer’s debts are classified as either exempt or nonexempt. Exempt debts can’t be discharged through bankruptcy and include school loan payments, taxes and child support, and nonexempt debts are eligible to be dismissed. Once the process is finished, most of your general unsecured debts (such as credit cards and medical bills) are eliminated and you are not required to pay back balances.
- Chapter 13 bankruptcy — This chapter is designed for people who have a regular income, with enough left over each month to pay back at least a portion of their debts through a repayment plan. Chapter 13 allows you to keep your property and it stops collection actions until a manageable repayment plan can be established.
Knowing which type of bankruptcy is right for you can be confusing, but with over 15 years of experience in private practice, I have the knowledge to put you on the right path to financial recovery.
Contact a dedicated Quad cities bankruptcy attorney for a consultation
At H. J. Dane Law Office in Davenport, Iowa, I am here to provide a thorough, personalized debt relief solution for you through the bankruptcy process. Our Practice is Your Solution and your road to financial freedom is just a phone call away. Call us today at 563-723-7053 to schedule your confidential consultation.