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Reviews and Ratings

  • 5.0/5.0

    Harold J Dane III was referred to my husband and I by another professional. We feel blessed to have met such a great attorney with wisdom, knowledge and integrity. He is professional and to the point, and yet still offered coffee & gum with...
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    — Client

  • 5.0/5.0

    Jack Dane was excellent in navigating through some difficult financial and divorce negotiations. He is very skilled and highly recommend him.

    — Client

  • 5.0/5.0

    Jack did a wonderful job with a very difficult family farm bankruptcy. The outcome was exactly what we wanted and we were able to save the family farm. He did an excellent job and I would highly recommend him. He and his team provide time...
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    — Client

  • 5.0/5.0

    We hired Mr. Dane for our bankruptcy. He has done a great job. It was easy to schedule appointments and he was extremely helpful to discuss the process and answer any questions that we had. We would highly recommend him to our friends an...
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    — Client

  • 5.0/5.0

    Mr. Dane was very knowledgeable and thorough on my case. He led me in the right direction. I highly recommend Mr. Dane.

    — Client

Chapter 7 Bankruptcy Attorney Helps Iowa Consumers Discharge Their Debt

Skilled bankruptcy lawyer counsels individuals in the Davenport area seeking relief

Sometimes situations beyond your control can profoundly impact your earning potential and lead to overwhelming debt. If you find yourself unable to pay your bills, you may want to consider filing for bankruptcy. At H. J. Dane Law Office, I represent clients in the Davenport area and throughout Iowa who seek debt relief through Chapter 7 bankruptcy. Designed to give debtors a fresh start, this filing gives you and your spouse relief from debts through the liquidation of your assets. With extensive experience in this area, I can help you file for Chapter 7 quickly and efficiently. Once you have filed for bankruptcy, creditors must immediately stop collections efforts, including harassing letters and phone calls.

Iowa advocate explains the Chapter 7 means test for qualifying debtors

To qualify for Chapter 7 bankruptcy relief, you must satisfy the court’s means test, which calculates your income and expenses compared to the median income in Iowa. If you are not eligible for Chapter 7 bankruptcy, Chapter 13 may be available. H. J. Dane Law Office can help you determine whether you are eligible for Chapter 7 bankruptcy and if it is the best option for resolving your debts.

Firm assists with asset liquidation and debt discharge

Liquidation involves selling assets to satisfy as much of your debt as possible before the court orders a discharge for the rest of your qualifying debt. However, the law includes many exemptions that allow you to preserve assets, such as your home, car, clothing, and tools of your trade. I can help you determine which of your assets are eligible for exemption so you get the maximum protection under the law. Upon conclusion of the bankruptcy proceedings, the court grants a discharge of your remaining debt, with some notable exceptions. These include back child support and alimony payments, student loans, recent back taxes, and court judgments based on personal injury claims. I advise you about how much of your debt is dischargeable, so you can make an informed decision about whether to pursue Chapter 7 bankruptcy.

Preparing for your appointment with a bankruptcy attorney

So that I can immediately begin analyzing your case, it is necessary that you bring certain information to your appointment with H. J. Dane Law Office, including:

  • A list of your creditors’ names, amount of each claim and nature of the debt
  • Your employer’s name and your gross and net income
  • Other sources of income and amounts
  • A list of what you own and estimates of the value of each item
  • A list of your monthly bills and details of each expense

This information can help H. J. Dane Law Office provide an accurate assessment of whether Chapter 7 bankruptcy is appropriate for you.

Contact an experienced bankruptcy attorney in Iowa

Don’t continue to live under a cloud of unmanageable debt. Chapter 7 bankruptcy can quickly discharge your qualifying debt and give you a fresh start. Call 563-723-7053 or contact me online to schedule your bankruptcy consultation at my Davenport office.