Bankruptcy Lawyer in Evansville, Indiana

Financial hardship can be overwhelming, but relief is possible. If you are facing mounting debt, creditor harassment, or the risk of losing your home, Brock Legal LLC is here to help. As a dedicated bankruptcy attorney in Evansville, Indiana, we assist individuals and families in finding the best path forward. Whether you need Chapter 7 for a fresh start or Chapter 13 to restructure debt, we are committed to guiding you through the bankruptcy process with clarity and confidence.

Bankruptcy law can be complex, and making the right decision requires legal insight. Brock Legal LLC offers:

• Comprehensive Debt Solutions – We assess your financial situation and help determine whether Chapter 7 or Chapter 13 bankruptcy is the best fit.
• Protection from Creditors – Filing for bankruptcy can stop lawsuits, wage garnishments, and repossessions, giving you room to breathe.
• Affordable Flat-Fee Services – We believe that legal representation should be accessible. Our flat-fee bankruptcy services eliminate hidden costs and help you move forward without additional financial stress.
• Remote and In-Person Consultations – Whether you prefer a virtual consultation or an in-office meeting, we offer flexible options to meet your needs.

Filing for bankruptcy involves several steps. Brock Legal LLC simplifies the process:

1. Schedule a Consultation – We will review your debts, assets, and income to determine whether bankruptcy is the right choice.
2. Complete Required Paperwork – We assist with gathering financial documents and filing necessary forms with the Indiana bankruptcy court.
3. Automatic Stay Goes Into Effect – Once filed, creditors must halt collection efforts, including foreclosure and wage garnishment.
4. Meeting with the Trustee – You will attend a brief meeting with a court-appointed trustee to review your case.
5. Discharge of Debts or Repayment Plan Approval – In Chapter 7 bankruptcy, qualifying debts are discharged. In Chapter 13 bankruptcy, a structured repayment plan is approved.

Chapter 7 is an option for individuals who cannot afford to repay their debts. It provides:

• Debt Discharge – Most unsecured debts, such as medical bills and credit card balances, are eliminated.
• Quick Process – Cases typically conclude in four to six months.
• Property Protections – Indiana law includes bankruptcy exemptions to help you retain essential assets.

To qualify, you must pass a means test comparing your income to Indiana’s median income levels. If you are unsure whether you qualify, Brock Legal LLC can evaluate your case.

Chapter 13 is ideal for individuals with steady income who need to catch up on debts while keeping their property. It involves:

• A Three-to-Five-Year Repayment Plan – Debts are consolidated into a structured plan based on your income.
• Stopping Foreclosure and Repossession – Allows you to catch up on mortgage or car payments while preventing asset seizure.
• Lower Monthly Payments – Some debts may be reduced or eliminated at the end of the repayment period.

If you are struggling with secured debt but want to avoid liquidation, Chapter 13 may be the right solution.

Credit card debt can quickly spiral out of control due to high interest rates and fees. If you are burdened by credit card balances you cannot pay off, bankruptcy may provide relief.

• Chapter 7 Bankruptcy can wipe out credit card debt if you qualify.
• Chapter 13 Bankruptcy allows you to restructure your debt into manageable payments.
• Debt Negotiation – In some cases, creditors may be willing to settle debts for less than what you owe.

Filing for bankruptcy is a major decision, but it is also a powerful tool for financial recovery. At Brock Legal LLC, we help clients in Evansville and surrounding areas understand their options and move forward with confidence. Whether you need Chapter 7, Chapter 13, or debt settlement guidance, we are here to support you.

If you are searching for a bankruptcy attorney near me, contact Brock Legal LLC today. Schedule your free consultation and take the first step toward financial freedom