Consumer Bankruptcy (Chapter 7 / Chapter 13)

Drowning in Debt? Give Yourself a “Fresh Start”

At the Law Offices of Matthew W. Kiverts, we understand that the decision to file for bankruptcy is a difficult one. We understand that you want to pay your debts; you want to live debt free; and, you want the mental, physical and emotional stress associated with being in debt to go away.

We also understand that filing bankruptcy is not something you ever wanted to do in life. However, bankruptcy should not be taboo. It is not a scary process.

• You will almost always be able to keep your home, car(s) and personal possessions.

• Bankruptcy will not permanently damage your credit score (which most likely is pretty poor if you are reading this); rather, it will serve as an important first step towards rebuilding that score.

• You will be able to stop playing the endless game of “catch up” that you play by always paying the interest on your debt, but never beginning to pay the principle.

Once you learn more about bankruptcy, you will discover that the “fresh start” filing bankruptcy affords you may be just what you need to get back on your feet again, totally free from debt.

Please read the following statements:

• I was recently unemployed for an extended period of time

• I have a lot of credit card debt

• I have a lot of pay-day loan debt

• I have a lot of medical debt

• I am upside down on my house

• I am behind on my mortgage payments

• I am behind on your car payments

• I have had my car(s) repossessed

• The utility company is threatening to shut off my power and/or gas

• I have creditors and/or collection agencies constantly calling me

• I have been sued by creditors over unpaid debt

• My wages are being garnished

• I have thought about calling a debt consolidation company

• Are you drowning in debt and have no idea what to do or where to start?

If you answered “yes” to any of the above questions, you owe it to yourself to at least consult with an experienced bankruptcy attorney about your financial situation. Often, the best

course of action for you will be Chapter 7 or Chapter 13 bankruptcy. While it may turn out that filing bankruptcy is not right answer you, that decision should only come after contacting the Law Offices of Matthew W. Kiverts, and after a free consultation with one of our experienced bankruptcy attorneys.

Why Choose Us?

As a smaller firm, we are able to provide you with the level of personal attention that your financial situation needs and deserves. Do not be fooled by what you see on TV. Bigger does not mean better. Flashy commercials will not ensure a successful and satisfying experience. At the Law Offices of Matthew W. Kiverts, things are much more personal. You can count on us for:

Affordable fees, with flexible payment plans. We understand the financial situation that you are in, and will work with you to come up with a plan that fits your budget yet allows us to start helping you immediately;

Personal attention due to our smaller size. We cannot stress this enough. Bankruptcy is an important decision and one that requires the utmost attention to detail and understanding of your financial situation. Our firm will provide you with a level of personal attention unmatched by larger high volume bankruptcy firms.

Free advice on how to start repairing your credit post-bankruptcy. While filing bankruptcy will get you out of debt—our attorneys will advise you on how to stay out of debt. We will even include a free copy of Surviving Debt, a book that provides precise, practical advice on how to manage debt and prevent some of what may have happened to you before, from happening again.

Industry leading bankruptcy software and technology. While we stress the human connection we have with our clients, we also spend thousands of dollars and use industry leading software and technology to help ensure that our bankruptcy petitions are clean and error free, which will help to ensure that the process goes smoothly for you.

Free consultation. When you contact us by email or phone, we will schedule you for a free consultation with one of our experienced bankruptcy attorneys. We will sit down with you; go over your individual financial situation; discuss your options (both legal and non-legal); and, determine the correct course of action for you.

What Do I Need to Get Started?

We ask that you bring the following to your free consultation:

• $100.00 fee to retain us – While the consultation is of course free, if you do decide to retain us, the $100.00 will get you started.

• Your ID

• Two months of recent paystubs (if employed)

• Your bills

• A copy of a recent credit report (if available)

To learn more about consumer bankruptcy (Chapter 7 / Chapter 13); contact the Law Offices of Matthew W. Kiverts for a free consultation with an experienced bankruptcy attorney. Please contact us by phone at (312) 632-1017, or by email at

Disclaimer: The information you obtain on this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contact us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.