Protecting What Matters Most
With decades of combined experience, our team brings clarity and confidence to every bankruptcy matter.
FagomrÄder
Ekspert bankruptcy-tjenester utviklet for Ă„ levere resultater.
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy
Eliminating qualifying unsecured debts like credit cards, medical bills, and personal loans through liquidation bankruptcy to give you a true fresh start.
- Means test analysis and qualification
- Maximum exemption planning to protect assets
- Discharge in as few as 3-4 months
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy
Creating a court-approved 3-5 year repayment plan that lets you keep your home and vehicles while catching up on past-due obligations.
- Mortgage arrears catch-up plans
- Vehicle loan cramdown options
- Tax debt repayment strategies
Debt Negotiation & Settlement
Debt Negotiation & Settlement
Negotiating directly with creditors to reduce balances, lower interest rates, and create manageable payment arrangements without filing bankruptcy.
- Lump-sum settlement negotiations
- Hardship program enrollment
Foreclosure Defense
Foreclosure Defense
Using bankruptcy automatic stay protection, loan modification applications, and litigation to stop or delay foreclosure and keep you in your home.
- Automatic stay to halt foreclosure sales
- Loan modification negotiation
- Wrongful foreclosure defense
Wage Garnishment Relief
Wage Garnishment Relief
Stopping or reducing wage garnishments through bankruptcy filing, exemption claims, and head-of-household protections.
- Immediate garnishment cessation via automatic stay
- Recovery of improperly garnished funds
Business Bankruptcy
Business Bankruptcy
Advising business owners on Chapter 7 liquidation, Chapter 11 reorganization, and personal liability protection for business debts.
- LLC and corporate debt separation
- Personal guarantee liability analysis
- Subchapter V small business reorganization
Slik fungerer det
En enkel og transparent prosess fra start til slutt.
Gratis konsultasjon
Fortell oss om saken din. Vi vurderer situasjonen din og forklarer alternativene â helt gratis og uforpliktende.
Saksstrategi
Vi utvikler en skreddersydd juridisk strategi designet for Ä oppnÄ best mulig resultat for din situasjon.
MĂ„lrettet representasjon
VĂ„rt erfarne team kjemper for dine rettigheter i hvert steg og holder deg informert gjennom hele prosessen.
LĂžsning & resultater
Vi jobber utrettelig til saken din er lÞst, og sikrer at du fÄr den erstatningen eller resultatet du fortjener.
Om Stavanger Bankruptcy
At Stavanger Bankruptcy, we've been proudly serving Stavanger since 2012. Founded by David Johnson, our team is dedicated to providing exceptional bankruptcy services. We believe in honest work, fair pricing, and building lasting relationships with our customers.
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Our Track Record
Results that speak for themselves.
Kundehistorier
Ekte resultater for ekte kunder.
Helhetlig Bankruptcy-lĂžsning
Leverte en skreddersydd tilnÊrming som overgikk forventningene og oppnÄdde mÄlbare resultater for kunden.
Vellykket strategisk partnerskap
Bygde et langsiktig partnerskap med fokus pÄ kontinuerlig forbedring og vekst for virksomheten.
Kompleks utfordring lĂžst
Navigerte en kompleks situasjon med ekspertise og omtanke, og sikret best mulig resultat.
Resources & Guides
Free resources to help you make informed decisions.
Understanding Your Rights
A comprehensive guide to understanding your legal rights and options.
Read More â
What to Expect in Court
Step-by-step walkthrough of the court process to help you prepare.
Read More â
Frequently Asked Legal Questions
Answers to the most common questions we receive from clients.
Read More âSiste artikler
Ekspertinnsikt, tips og nyheter fra vÄrt bankruptcy-team.
Bankruptcy BasicsChapter 7 vs. Chapter 13: Which Bankruptcy Is Right for You?
Understanding the key differences helps you choose the path that best protects your assets and addresses your debts.
Les mer â
Credit RecoveryHow to Rebuild Your Credit After Bankruptcy
Bankruptcy isn't the end â it's a fresh start. Follow these steps to rebuild your credit score in 12-24 months.
Les mer â
Debt ReliefHow Bankruptcy Can Immediately Stop Wage Garnishment
The automatic stay is one of bankruptcy's most powerful tools. Learn how it halts garnishments the moment you file.
Les mer âMedical DebtOverwhelmed by Medical Debt? Your Bankruptcy Options Explained
Medical bills are a leading cause of bankruptcy. Here's how the process works and what you can expect.
Les mer âCan Chapter 13 Save Your Home from Foreclosure?
If you're behind on your mortgage, Chapter 13 gives you up to 5 years to catch up while keeping your home.
Les mer âProblemer vi lĂžser
Vanlige utfordringer kundene vĂ„re mĂžter â og hvordan vi hjelper.
Drowning in debt and can't see a way out?
Bankruptcy provides legal protection from creditors and a structured path to eliminate or repay debt. Most people who file wish they had done it sooner.
Afraid you'll lose your house, car, or retirement savings?
Federal and state exemptions protect essential assets. Most Chapter 7 filers keep everything they own. Chapter 13 is specifically designed to save homes and vehicles.
Harassed by debt collectors calling day and night?
The moment you file bankruptcy, an automatic stay goes into effect forcing all collection activity to stop immediately â calls, lawsuits, garnishments, everything.
Worried bankruptcy will ruin your credit forever?
Most clients see their credit scores improve within 12-18 months after discharge because the debt-to-income ratio dramatically improves. Bankruptcy is a tool for rebuilding, not an ending.
Ofte stilte spÞrsmÄl
Har du spÞrsmÄl? Vi har svarene.
Will I lose everything if I file Chapter 7?
No. Federal and state exemption laws protect essential assets including your home equity (up to limits), vehicle, retirement accounts, household goods, and tools of your trade. Most Chapter 7 filers keep all their property.
How long does bankruptcy stay on my credit report?
Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years. However, the practical impact diminishes over time and many people qualify for mortgages within 2-4 years after discharge.
What debts can bankruptcy eliminate?
Bankruptcy can discharge credit card debt, medical bills, personal loans, old utility bills, and some older tax debts. It generally cannot discharge student loans, recent taxes, child support, or alimony.
How much does it cost to file bankruptcy?
Court filing fees are approximately $338 for Chapter 7 and $313 for Chapter 13. Attorney fees vary but typically range from $1,000-$2,500 for Chapter 7 and $2,500-$5,000 for Chapter 13. Many attorneys offer payment plans.
Can I file bankruptcy on medical bills only?
Bankruptcy covers all qualifying debts â you cannot selectively discharge only medical bills. However, if medical debt is your primary burden, Chapter 7 can wipe it out along with other unsecured debts.
Hva kundene vÄre sier
Ikke bare ta vĂ„rt ord for det â hĂžr fra vĂ„re fornĂžyde kunder.
âI was $87,000 in credit card debt and couldn't sleep at night. Chapter 7 gave me a clean slate and I'm already rebuilding my credit.â
James Thomas
âThey saved our home from foreclosure. The Chapter 13 plan let us catch up on our mortgage over 5 years and we never missed a payment.â
Maria White
âI was embarrassed to even make the call. They treated me with dignity and made the whole process less scary than I imagined.â
David Johnson
âThe wage garnishment stopped the day they filed. I went from losing 25% of my paycheck to keeping every dollar I earned.â
Lisa Smith
Bestill din gratis konsultasjon
Ta det fÞrste steget i dag. Teamet vÄrt er klart til Ä hjelpe.
Begrenset tilgjengelighet denne uken â bestill din plass nĂ„.
Ta kontakt
Klar til Ă„ komme i gang? Kontakt oss i dag for en gratis konsultasjon og estimat.
Telefon
+47 433 43 133
E-post
Adresse
133 Main Street, Stavanger