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Rahaim & Saints LLP

Delaware Bankruptcy Attorney

Bankruptcy Delaware


Tiffany Poole Bankruptcy AttorneyThere are quite a few reasons why you may have more bills than you can handle and creditors are harassing you with nonstop phone calls. Despite the common assumption that financial irresponsibility is what gets people in serious debt, the reality is this problem is more often caused by an unexpected event like getting seriously injured in an accident or losing a job.

In many cases, filing for bankruptcy is the best way to take control of your financial situation. However, because there are situations where another option may be superior, it's best to speak with a filing bankruptcy lawyer in Delaware prior to making a final decision. By enlisting the help of a filing bankruptcy lawyer in Wilmington from the start, you can put yourself in the best possible position throughout this process.


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Bankruptcy Areas We Serve:

  • Chapter 7 — If you qualify, Chapter 7 bankruptcy can help you dismiss some of your unsecured debts.
  • Chapter 13 — Chapter 13 bankruptcy is usually used to reorganize child or spouse support payments and other debts that are not covered by Chapter 7 bankruptcy. It can also be an option if your income doesn’t qualify you for Chapter 7.
  • Repossession Prevention — Filing bankruptcy can immediately stop repossession actions and can help you save some of your personal property.
  • Foreclosure Prevention — One of the biggest advantages of bankruptcy? It can help prevent you from losing your home to foreclosure.
  • Debt Relief — Bankruptcy can help you dissolve some of your debts, so you can afford the basics again.
  • FAQs — If you want to know more about bankruptcy, view our list of facts and FAQs about this legal process.
  • Filing Stages — There are many steps you need to take during a bankruptcy, and Rahaim & Saints can be there at every stage — from initial consultation all the way to the final discharge of your bankruptcy.
  • Bankruptcy & Child Support Arrears — The penalties for not making child support payments are significant, but it’s possible to have your payments changed to make them affordable for you.
  • Dealing With Credit Card Debt — Credit card debt is one of the most common causes for bankruptcy, in part because high interest rates make high debt loads easy to accumulate, especially for account holders with multiple cards.
  • Delaware Bankruptcy Means Test — The bankruptcy means test will determine whether you can file for Chapter 7 or Chapter 13 bankruptcy.
  • How To File Bankruptcy? — Filing for bankruptcy often starts with a legal consultation. If you work with Rahaim & Saints, we’ll handle the process so you can focus on rebuilding your financial life.
  • Medical Bill Debt Relief — High medical bills are a leading cause of bankruptcy, especially for people without insurance. You may be able to get assistance with collection calls and high medical bills by filing for Chapter 7 or Chapter 13 bankruptcy.
  • Bankruptcy & Gambling Debt — A gambling addiction can easily lead to overwhelming debt. If you’re determined to get your life back on track after dealing with your addiction, you may be able to use bankruptcy to eliminate or repay your debts.
  • Advantages of Filing Bankruptcy — Bankruptcy immediately stops collection action and allows you to protect your most important assets while giving you chance to start over again without the burden of a debt you can’t repay.
  • Bankruptcy & Spousal Arrears — Not paying spousal support can mean huge penalties, but if your circumstances have changed since your divorce, you may be able to file for bankruptcy to take care of your debt.
  • Newark Bankruptcy Services — If you’re facing financial challenges in Newark or anywhere in Delaware and cannot pay your debt, contact Rahaim & Saints for bankruptcy assistance.
  • Glasgow Bankruptcy Services — Even if you’re extremely responsible, unforeseen circumstances can leave you unable to meet your financial obligations. If this happens to you in Glasgow or anywhere in Delaware, contact Rahaim & Saints for a consultation.

Bankruptcy may seem like a financial end, but it’s really more of a beginning. If you cannot pay your debts, you may face foreclosures, repossession and harassing collection calls. A bankruptcy filing stops all collection and repossession action and may even be able to help you save your home and pension, among other important assets. It also gets rid of the burden of unpayable bills each month, giving you enough money to spend on living expenses.

All too often, people who have large bills make difficult choices about what to pay. Some people avoid paying for basics like medication or food because they feel they cannot afford these items. Bankruptcy lets you take back control so you can build a better future and rebuild your credit score with time.

Filing Chapter 7 bankruptcy also lets you dismiss some of your debts, so you can start over and make better money decisions in the future. Chapter 13 bankruptcy creates an agreement so you can repay what you owe in a more affordable way. Whether you file for Chapter 7 or Chapter 13 bankruptcy will depend on your income and the debts you have.

To find out which bankruptcy is right for you and to get assistance and legal representation with the process, contact Rahaim & Saints for a free consultation. We are proud to serve the entire Delaware area from our offices in Newark and Wilmington. We would be happy to discuss your situation in a consultation at your earliest convenience. Our goal with each case is to protect our clients’ future while also offering a fresh financial start. Freed from collection action, harassing phone calls and the sleepless nights that unpaid bills can cause, you can start reclaiming your financial power.


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Deciding Between Chapter 7 and Chapter 13 Bankruptcy

In many cases, filing for bankruptcy is the best way to take control of your financial situation. However, because there are situations where another option may be superior, it's best to speak with a filing bankruptcy lawyer in Delaware prior to making a final decision. By enlisting the help of a filing bankruptcy lawyer in Wilmington from the start, you can put yourself in the best possible position throughout this process.

Chapter 7 and 13 are the two main types of bankruptcy for individuals. The former involves liquidation, while debt reorganization is the primary focus of the latter. Once you meet with an attorney, they will be able to explain the specifics of each, as well as provide guidance about whether either form of bankruptcy is the best choice for your needs.

Alternatives to Filing for Bankruptcy

While bankruptcy is an important tool that helps people in many different situations, it's not the only solution for getting debt under control. Mortgage modification, short sales, collection defense and debt settlement are just a few examples of debt relief strategies that a filing bankruptcy lawyer Delaware can help you utilize.

One major benefit of either filing for bankruptcy or pursuing another formal debt relief strategy is once the process begins, steps can be taken to end issues like harassment by creditors. This means that stress and worry will be drastically reduced as you start the process of getting your financial standing back to where you want it to be. To schedule a consultation with a Delaware bankruptcy lawyer, call Rahaim & Saints at (302) 892-9200.

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