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Bankruptcy Attorneys in Olathe, Kansas

Do you want to stop the threatening letters and phone calls from aggressive creditors? Do you want credit card debt relief? Do you want to avoid wage garnishment or the threat of foreclosure? Bankruptcy may be the answer for you, and if you live in Olathe, Lenexa, Mission, Shawnee, Overland Park, KS, or the Kansas City metro area, we encourage you to contact your local Johnson County bankruptcy attorney at Adams Cross, LLC, located in the city of Olathe in Johnson County, Kansas.

An experienced bankruptcy lawyer in Johnson County, KS can help you decide if bankruptcy is right for you. The goal is to get you through this bankruptcy in better financial shape than when you came in.

Bankruptcy Info for Johnson County, KS

  • Chapter 7 Bankruptcy: discharges all unsecured debt. You do not have to pay back any of the unsecured debt, and you will be given a new start on your finances. Dischargeable debt includes credit card debts, debts resulting from medical bills, and some other types of debt. Some debts cannot be discharged, however, such as student loans, tax debt, child support, and court-ordered criminal restitution.

  • Chapter 13 Bankruptcy:  allows consumers to pay back their debts over a three-to-five-year time frame. If you are in danger of losing your house or your car, Chapter 13 may help you avoid repossession and foreclosure. As with Chapter 7 bankruptcy, Chapter 13 bankruptcy does not discharge student loans or child support obligations, but it can help you get a handle on it.

25+ Years of Being a Bankruptcy Attorney in Overland Park, Lenexa & Olathe, Kansas

An experienced bankruptcy lawyer will look at your situation and determine the type of bankruptcy for which you qualify. Bankruptcy paperwork can then be filed on your behalf so that you can start rebuilding your credit and your financial future. Being a Johnson County-based bankruptcy attorney serving primarily Olathe, Lenexa, Overland Park, KS, and the Kansas City metro area for over 25 years, David Adams has helped hundreds of locals file bankruptcy.

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Filing Bankruptcy and Your Credit Score

Bankruptcy does lower your credit rating. However, many people who are considering filing for bankruptcy or hiring a bankruptcy lawyer, already have compromised credit scores. Bankruptcy is a way to eliminate your debt and get back on your feet. Individuals can often qualify for loans as soon as a year after filing.

See Bankruptcy Exemptions in Kansas

If you are considering filing for bankruptcy in Kansas, you should be aware of the specific exemptions that apply in this state. These exemptions include:

  • The Kansas Homestead Exemption. Under the Kansas homestead exemption, homeowners are able to protect an unlimited amount of value for their homes when filing for bankruptcy.

  • Kansas Motor Vehicle Exemption. Thanks to the generous motor vehicle exemption law in Kansas, consumers are allowed to protect $20,000 in vehicle equity when filing for bankruptcy.

  • Jewelry Exemption. Under Kansas bankruptcy exemptions, you may be allowed to retain up to $1,000 in jewelry when filing for Chapter 7 bankruptcy.

Bankruptcy Attorney in Olathe, Kansas

The decision to file for bankruptcy is important. To speak with an experienced bankruptcy attorney in Olathe, Shawnee, Lenexa, Overland Park, Mission, KS, or the Kansas City metro area, contact Adams Cross, LLC today. As a local Chapter 7 bankruptcy and Chapter 13 bankruptcy lawyer, David has over 25 years of professional experience serving Johnson County, Kansas, Wyandotte County, KS, and Jackson County, MO.