When bad things happen to good people,
Bankruptcy may be your answer.

The attorneys at Hensley Legal Group, PC can help provide bankruptcy relief for Hoosiers facing financial difficulties. Bankruptcy may be an appropriate legal solution for those facing overwhelming debt, often due to unanticipated circumstances largely outside of their control such as job loss, divorce, or unexpectedly incurred medical bills. Of course, it is nobody's desire to have to file bankruptcy; however, people sometimes find themselves in situations in which bankruptcy makes financial sense. Most importantly, bankruptcy helps serve its purpose of providing individuals with a financial fresh start.

Is bankruptcy the right choice for you? Are you in danger of losing your home or car? Are you being harassed by creditors? Are your wages being garnished? Are you tired of worrying? Hensley Legal Group Can Help!

Bankruptcy Services We Provide

Hensley Legal Group, PC was established in 1998 and since the beginning the legal staff has strived to provide personalized service and superior legal representation to our clients. We have helped thousands of people get their life back on track, after dealing with financial difficulties. This has been our commitment since day one. We provide the following services for our bankruptcy clients:

• Free Initial Consultation
• Payment Plans Available

Bankruptcy Overview

There are two types of bankruptcies common to consumers, each referred to as a different chapter based on the U.S. Federal Bankruptcy Code: Chapter 7 & Chapter 13. Each is designed to help debtors acheive a fresh financial start, and filing a bankruptcy under either chapter can:

• Eliminate debts
• Stop garnishments
• Stop harassing telephone calls
• Stop foreclosures
• Stop lawsuits
• Save your home
• Save your car
• Save your possessions
• Stop collection attempts

In addition, the two primary chapters of bankruptcy provide a different structure for best handling an individual's circumstances. For more information, please review the bankruptcy basics page which provides several informational videos to help you better understand bankruptcy.

Common Bankruptcy Misconceptions

There are many misconceptions about what is involved in filing for bankruptcy. Let's go over a few of the more common misconceptions to help you understand bankruptcy better:

Misconception	Correction
"I want to file the type of bankruptcy that gets rid of everything."	Virtually everyone making this comment is referring to a Chapter 7 bankruptcy. A Chapter 13 gets rid of the same type of debt that a Chapter 7 does, and in fact, a Chapter 13 is sometimes able to eliminate certain debts that a Chapter 7 can't.
"I want to do a bankruptcy, but I don't want to file on my car."	When filing bankruptcy, all outstanding debts must be listed in the papers filed with the court. However, in both a Chapter 7 and Chapter 13, certain procedures exist which allow debtors to keep certain debts, which can allow them to keep their cars, houses, or other items.
"I'm not sure that I have enough debt to qualify for bankruptcy."	Quite simply, there are absolutely no minimum debt requirements to file bankruptcy. However, if someone has little debt, it might not be in their best interest to file a bankruptcy, and alternative solutions may be the better option.
"Credit card debt can no longer be eliminated in bankruptcy."	Again, there is little truth to this statement. Of course, bankruptcy laws are complex and exceptions to rules apply, but as a general statement credit card debt can almost always be discharged in bankruptcy. In fact, credit card debt and medical bills are some of the most common debts eliminated in bankruptcy.
"I heard it will take 3 years before I can go buy a house after bankruptcy."	There is no bankruptcy law that restricts a person's ability to obtain financing on purchases after a bankruptcy. Rather, individual lenders may have certain requirements and policies as part of their business. There is not always going to be a clear answer to getting approved for a loan; it will depend on both the lender and a person's overall credit.

We are a debt relief agency. We help people file for bankruptcy relief under the U.S. Bankruptcy Code. Let us help you.