Frequently Asked Questions
Our Kansas City Bankruptcy Attorneys Have Answers
When you are in an unmanageable financial situation and you begin to consider filing for bankruptcy, you are bound to have a lot of questions. Our knowledgeable bankruptcy lawyers at Patton & Dean, LLC have the experience and insight to provide you with the answers you need so that you can make an informed decision about how to proceed. If you choose to move forward with filing, our legal team will be there every step of the way, even for the post-filing matters other attorneys overlook.
Contact Patton & Dean, LLC at (913) 203-4786 today to schedule a free initial consultation and get the guidance you are looking for.
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Why Hire an Attorney?
Bankruptcy is a complex, highly technical field. The federal Bankruptcy Code and the complicated procedural rules of bankruptcy court are not something the average person can wade through without legal training.
Simply looking up information on how to file for bankruptcy is not enough. Before pursuing bankruptcy, you should plan ahead and develop a strategic approach. Our legal team can help you take full advantage of your rights and protections.
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What Type of Bankruptcy Should I Pursue?There are two main types of consumer bankruptcy: Chapter 7 and Chapter 13. Deciding which type to pursue requires sorting through various considerations about your specific situation. Only certain people can qualify for Chapter 7, based on their assets and income. But neither type is “better” than the other; it all depends on your financial circumstances as well as your goals and priorities.
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Will Bankruptcy Ruin My Credit?Bankruptcy will not destroy your ability to ever take out credit, get a car loan, or own a home. In fact, most people see an improvement in their credit scores within a year or two after successfully completing bankruptcy. Our firm can walk you through any concerns you have about your credit. As part of our Complete Bankruptcy Solution, we will help you repair and rebuild your credit after bankruptcy — at no additional charge.
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Will I Lose Everything in Bankruptcy?People often hesitate to consider bankruptcy because they fear they will lose everything. Fortunately, that is rarely the case. Federal and state laws protect you from having to give up everything you own. And, depending on which type of bankruptcy you choose, you can take a strategic approach toward protecting your assets.
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What about Debt Settlement or Credit Consolidation?Debt settlement and credit consolidations are rarely permanent solutions. They may keep you trapped in debt that you could otherwise completely eliminate through bankruptcy. In fact, many people who pursue debt settlement or credit consolidation end up choosing bankruptcy anyway, resulting in wasted time and expense. Our lawyers can walk you through the benefits of bankruptcy in comparison to other debt relief options.
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How Do I Know if Bankruptcy Is the Right Choice?
Bankruptcy gets rid of certain debts like credit card debt, unpaid medical bills, and overdue payday loans. For many people, bankruptcy makes sense as a way to start over with a clean financial slate. Yet every situation is unique. You should always explore your options by consulting with a bankruptcy attorney.
At the law firm of Patton & Dean, LLC, our experienced attorneys can provide individualized guidance to help you make informed decisions. You can turn to us with any bankruptcy-related questions.
Real People. Real Reviews.
Past Clients Tell Their Stories
At Patton & Dean, LLC, your satisfaction is our priority! See for yourself what our clients have to say about working with us.
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“Ryan and David both were very personable as well as professional.”Deana
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This team of attorneys has gone out of their way to help me. I am impressed and thankful for all they have done for me.Jeffery B.
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Very grateful. Ryan and his team were very helpful. Thanks to them I was able to keep everything I needed. Very knowledgeable and professional. Thanks Thanks ThanksCarlos I.
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Great service! Ryan Patton was very professional and helpful! Very responsive on my questions! Would definitely refer their firm!Traci V.
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Ryan Patton represented me in my Chapter 13 submission. Given the results, which were far better than I had hoped, his feedback, guidance, recommendations and ultimate submission were outstanding.. His professionalism and value added exceeded my expectations! Do not try a bankruptcy submission without a top notch attorney like Ryan!Larry H.
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I had a hard time coming to the decision to file bankruptcy, Ryan made it painless and was very patient with all of my questions. Very professional.Debra B.
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Ryan was recommended by my parents and has made this process as easy as it can be and has made sure I understood everything every step of the way. This is the second time I have dealt with Ryan and would definitely recommend him to anyone!Terri O.
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Ryan P. was amazing to work with, he was always available every time I needed him. Any question I needed answered or explained more, he was always there. I would highly recommend him to anyone needing his service. I couldn't ask for a better person to help me through this process.Amber M.
