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Law Office of Kimberly A. Sheek Shelby Bankruptcy Attorney Find Debt Relief Through Bankruptcy

Shelby Bankruptcy Attorney

Thoughtful & Informed Bankruptcy Representation 

At the Law Office of Kimberly A. Sheek, I know that facing overwhelming debts is a challenging and stressful time for anyone. As a bankruptcy attorney serving the Shelby area, I am committed to providing compassionate representation to each of my clients. With a deep understanding of bankruptcy laws and how a bankruptcy filing can impact individuals and their families, I prioritize honesty and integrity. My goal is to help you make informed decisions about your financial future, including whether bankruptcy is the right answer for you. 

You don't have to go through this alone. To learn more about your bankruptcy options, call my firm at (704) 842-9776 or message me online.

Deciding Between Chapter 7 and Chapter 13 Bankruptcy

A pivotal decision in bankruptcy is whether to file under Chapter 7 or Chapter 13. These are different chapters of the Bankruptcy Code and have distinct provisions. Determining which chapter to file under often involves a "means test," which considers your income, expenses, and family size to ascertain your ability to repay debts. 

Navigating these options can be complex and stressful. The guidance of a seasoned bankruptcy attorney can be invaluable during this process, helping you understand the implications of your decisions and guiding you toward the most beneficial choice for your unique financial circumstances. 

The primary differences between Chapter 7 and Chapter 13 bankruptcy is as follows: 

  • Chapter 7 Bankruptcy is also known as liquidation bankruptcy. It allows you to discharge unsecured debts like credit card debt or medical bills. However, you may have to sell some of your assets to repay your creditors.
  • Chapter 13 Bankruptcy is a reorganization bankruptcy for individuals. Instead of selling off assets, you create a three- to five-year repayment plan to settle your debts. This option may be more suitable for those with stable incomes who can afford the repayment plan. 

Determining which chapter to file under often involves a "means test," which considers your income, expenses, and family size to ascertain your ability to repay debts. 

The Benefits of Bankruptcy

Bankruptcy can often seem daunting, yet it is a viable option when debts become unmanageable and other solutions have been explored or exhausted. It can be considered when you're struggling to keep up with multiple debt repayments or when facing legal action from creditors. It can also be an option for those seeking a fresh start from an untenable financial situation.

Potential benefits of filing for bankruptcy can include:

  • Debt elimination: Depending on the chapter you file under, bankruptcy may discharge many unsecured debts.
  • Automatic stay: Bankruptcy filing can stop debt collection activities, including harassment from creditors and collection agencies.
  • Protection of assets: In some cases, bankruptcy can help protect your assets from being seized.
  • A new financial start: Bankruptcy can offer a fresh start by allowing you to restructure your debts, potentially making them more manageable.
  • Improved mental health: By alleviating the stress of overwhelming debt, bankruptcy can lead to improved mental health.

Complex Bankruptcy Filings and Adversary Proceedings

An adversary proceeding in bankruptcy is essentially a lawsuit within the bankruptcy case itself. It is a separate case with its own case number, but it is tied to the overall bankruptcy case. This type of proceeding may be initiated by the debtor, a creditor, or the bankruptcy trustee. Adversary proceedings are typically filed in complex situations over matters such as challenging the dischargeability of certain debts, objecting to the discharge of all debts, or alleging certain types of fraud or misconduct.

Handling a bankruptcy filing can be complex, especially when adversary proceedings come into play. As an experienced bankruptcy attorney, I am equipped to help clients navigate even these intricate scenarios with confidence and clarity. No matter how complex your situation may be, you can count on the Law Office of Kimberly A. Sheek to provide you with informed, dedicated representation.

To work with a Shelby bankruptcy attorney who truly cares about the outcome of your case, send me a message online or call (704) 842-9776.


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  • How is my credit score affected after bankruptcy?

    Many people are afraid that filing for bankruptcy can ruin their credit scores. While bankruptcy will lower your score and stay on your report for several years, most people who are in debt already have low scores due to the outstanding debt. Doing nothing about the debt will only make your credit score worse.

    Bankruptcy can resolve your debt and provide you with a fresh start to begin rebuilding your credit score. My law firm can provide you with tips on how to manage post-bankruptcy life and ways to restore your credit score. Call the Law Office of Kimberly A. Sheek at (704) 842-9776 today.

  • What debts can bankruptcy discharge?

    Unsecured debt such as credit card bills, medical bills, and personal debt can be discharged through bankruptcy. It will either be discharged completely or you may need to repay a portion of the debt.

  • Can I keep my home and car in bankruptcy?

    In Chapter 13, nearly all debtors are able to keep their homes and cars. In Chapter 7, you can keep your home and car if your equity does not exceed the exemption limits and you are able to maintain the payments. An attorney can review your unique scenario and give you a better idea of what you can expect to keep.

  • How does bankruptcy work?

    Bankruptcy allows debtors to discharge all or nearly all of their unsecured debt, depending on the type of chapter they file. Chapter 7 will generally wipe out most debt after nonexempt assets are liquidated, while Chapter 13 will require repayment plans to pay back a portion of the debt.

    How Is the Law Office of Kimberly A. Sheek

    the Right Choice for You?
    • Fast Results
    • Over a Decade of Legal Experience
    • Published Author & Speaker at Bankruptcy Seminars
    • Attorney Who Works One-on-One With You

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