When you file a Chapter 7 bankruptcy, most of the bills that are included in the bankruptcy will be discharged with no payment whatsoever. The only time you would pay bills listed in a bankruptcy is if you are going to keep the collateral, like a house or car, or if you choose to pay a particular creditor – like your family doctor, voluntarily.
In a Chapter 13 bankruptcy the trustee will make payments on bills listed in the bankruptcy. You would no longer pay the creditors directly.
In both cases, you will continue to pay your normal living expenses like utilities, food, gasoline, insurance etc.
I wish I could give Mr. West, and his awesome staff, TEN stars. Thank you for all of your help! I have good credit again and I got to keep my car. Thank you!guidedbyravens
Mr. West has been wonderful since the first time I talked to him on the phone. He was understanding, and helped make our difficult bankruptcy easier. He took our case on, when no one else would even return my phone calls. And I liked that I talked to him personally on the phone, even before he agreed to take the case. Mr. West and his staff are always on hand to answer any and all questions that I have. And sometimes they even go out of their way to find out the answers, or just to alleviate my concerns. They continually give me updates on any and all correspondences pertaining to my case. I would highly recommend Mr. West to anyone.Becca Alfred
My husband Richard and I met with Richard West to start a Chapter 13 bankruptcy today, and despite our embarrassment with regards to our finances, Mr. West made us feel comfortable. Mr. West was courteous, kind and professional and answered all of our questions. He not only discussed the process of filing, but also the process of rebuilding our credit afterwards. The office staff treated us respectfully and were extremely helpful and professional. I would highly recommend this law office to anyone considering bankruptcy.Kristi Estep
I had received a forclosure notice on a house that my ex-husbaned and I own. I have not lived in the house since 2004 and thought that my ex-husband had refinaced the house and got it out of my name. So to my surprise I received the court notice about the forclosure. I have been stressed to the max and worried about a judgement being placed on me. I heard of a law firm that could help with my problem so I made an appointment. Mr. West explained to me that the mortgage company was not pursuing me for any type of judgement and that I would not have to worry about any type of garnishment. I am so happy that I made the appointment. At the end of the appointment I was expecting to pay him for his time but there was no charge. I couldn't believe it! I highly recommend Richard West Law Office!Regina Prater