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Chapter 7

If you are facing overwhelming debt and have a limited income or are out of a job, a Chapter 7 bankruptcy may give you the fresh start you need. An experienced lawyer can evaluate your situation and help determine whether this is a good option for you.

At the Hunter Law Firm, P.A., we provide strong, compassionate representation to those considering filing bankruptcy. We understand the stress that financial difficulties can cause, especially when you are facing harassing phone calls and collection letters. Our attorneys Scott Hunter Sr. and Scott Hunter Jr. will guide you through the process. They will take the time to listen to your concerns and answer your questions as they help you achieve your debt relief goals.

Call us toll free at (800) 801-6029 or send our Jonesboro law firm an e-mail to schedule a free initial consultation with a Chapter 7 bankruptcy attorney. We promptly return all phone calls and e-mails.

The purpose of a Chapter 7 bankruptcy is to allow you to start anew by reducing, or even eliminating unsecured debt including credit card debt and medical debt. Contrary to popular belief, you will not lose everything during this process. Many assets such as homes and vehicles and other personal belongings, pensions and insurance benefits are exempt from liquidation.

It is important to note that not everyone qualifies for Chapter 7 bankruptcy. In 2005, the Bankruptcy Code was updated to require a bankruptcy means test prior to filing. This test measures your income and expenses compared to others in your area. If you fall below the average, you will probably qualify for Chapter 7. If you are above the average, Chapter 13 bankruptcy may be the better option.

Our bankruptcy lawyers will discuss your bankruptcy options. We will make sure you are fully informed so you can make the right choice about your future.

Chapter 13

Many people assume they will not qualify for bankruptcy if they have a steady income. However, the truth is, even if they do not qualify for a Chapter 7 bankruptcy filing, they can still get debt relief with a Chapter 13 filing. An experienced lawyer can explain the options for financial relief.

At the Hunter Law Firm, P.A., we represent clients with a wide range of financial difficulties. With more than 50 years of combined experience, attorneys Scott Hunter Sr. and Scott Hunter Jr. will guide you through the bankruptcy process to help you reduce your debt and take back control of your life.

Call our Jonesboro Chapter 13 bankruptcy attorneys toll free at (800) 801-6029 or contact our law office online for a free initial consultation. We promptly return all phone calls and e-mails.

Chapter 13 bankruptcy is often referred to as debt reorganization. Debt is consolidated and a repayment plan is proposed to help the debtor manage his or her monthly expenses. At the end of the repayment period, typically three to five years, any remaining dischargeable debt will be discharged.

Our attorneys will work with you to propose a repayment plan that meets your needs. We will calculate your monthly repayment fee with careful consideration to your income, debts and other monthly expenses. You can count on us to help give you a fresh financial start.


Have you been threatened with foreclosure? Filing bankruptcy can put an immediate halt to the foreclosure process and help you stay in your home for good. At the Hunter Law Firm, P.A., our attorneys have decades of experience fighting foreclosure. Let us help you.

We realize that filing for bankruptcy can be a difficult decision. However, we encourage you to act as quickly as possible. The sooner you contact our lawyers, the sooner we can get to work keeping you in your home. If the foreclosure sale is scheduled for tomorrow or even today, you should still contact us. An emergency bankruptcy filing may still be possible.

When you file bankruptcy, an automatic stay will go into effect. This stay means that all creditor actions against you must halt, including foreclosure. The bank can make no further attempts to take your home away from you.

Of course, the automatic stay is not a permanent solution. It is just the first step. We will review your situation to determine the type of bankruptcy that makes the most sense for you. Typically, Chapter 13 is used by people who have fallen behind on their house payments, but still want to stay in their home. This type of bankruptcy involves the creation of a debt repayment plan that allows you to pay off all or some of your debts over a three- to five-year period. We will help you develop this plan based on your income.

You will have the confidence that comes with knowing that you have an experienced Jonesboro foreclosure defense attorney working with you at all times. We will stand by your side from start to finish, helping you stay in your home and overcome your debt problems.


Have you been threatened with wage garnishment? Perhaps a judgment has already been issued against you and your wages are being garnished. You can keep your paychecks out of the hands of your creditors by filing bankruptcy. At the Hunter Law Firm, P.A., our attorneys have decades of experience stopping wage garnishment. Let us help you.

Recovering wages that have already been taken from you by creditors is not possible, so we encourage you to act now so you can keep your next paycheck. The sooner you contact our lawyers, the sooner we can take the steps necessary to stop wage garnishment. Even if your next payday is just a day or two away, you should still contact us. We may be able to file an emergency bankruptcy on your behalf.

One of the first things that happens when you file bankruptcy is that an automatic stay goes into effect. This stay prevents creditors from taking any action against you, including wage garnishment. Your paycheck must remain intact.

However, it is important to understand that the automatic stay is designed merely to give you breathing room while you continue through the bankruptcy process. It is not a permanent solution in and of itself. Our Jonesboro garnishment attorneys will review your situation to determine whether you should file Chapter 7 or Chapter 13 bankruptcy. We will make a recommendation based on your specific circumstances and we will guide you down the path toward a full recovery from your debt problems. We want to help you use bankruptcy not just to stop wage garnishment now, but to create a positive financial future.

For a free, no-obligation initial consultation, call us toll free at (800) 801-6029 or send us an email. From our office in Jonesboro, we represent clients throughout northeastern Arkansas. Payment plans for bankruptcy cases are available.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Credit cards are one of the leading causes of debt problems. At the Hunter Law Firm, P.A., we understand that credit card debt is not always the result of poor spending habits. Many of the people we represent simply turned to credit cards after losing a job or facing some other unexpected event. They used credit cards to cover living expenses, and unfortunately, their debt spiraled out of control. Then they turned to our lawyers for help.

Credit card debt is referred to as unsecured debt. It is debt that is not secured by some form of collateral, like a car. In other words, there is nothing the creditor can repossess if you do not pay your credit card bills.

Unsecured debt is the easiest type of debt to eliminate through bankruptcy. Typically, it can be discharged completely in Chapter 7. In Chapter 13, a repayment plan can be created. The repayment plan may include some or all of the credit card debt, or it may focus on repaying secured debt and the credit card debt may be discharged in full when the plan is completed.

You have options, and our Jonesboro credit card debt attorneys will help you understand them. We will review your situation and guide you toward the type of bankruptcy that makes the most sense for you.


In the aftermath of a serious injury or illness, medical debt can pile up quickly, particularly for people who do not have health insurance. Even those with health insurance may find that debt piles up if they are unable to return to work and are left without the income necessary to cover living expenses. At the Hunter Law Firm, P.A., our lawyers have helped many accident victims and victims of sudden illnesses overcome medical and related debt.

Most debt can be divided into two categories: secured debt and unsecured debt. The first category includes debt secured by collateral, like a car, that could be repossessed if you do not make your payments. Medical debt, on the other hand, is unsecured debt.

This is the easiest type of debt to eliminate through bankruptcy. Through Chapter 7, it may be discharged completely. In Chapter 13, a repayment plan can be created that may allow you to repay some or all of the medical debt. Depending on your situation, the repayment plan may instead focus on other debt and your medical bills will be discharged upon plan completion.

The important thing to understand is that you have options, and our Jonesboro medical debt attorneys can help you determine the one that will be most effective for you.

Life After Bankruptcy

If you are considering bankruptcy, you may be worried about the long-term effects. You may have heard that filing bankruptcy will ruin your credit or cause some other damage that you will not be able to recover from. Those are misconceptions. In reality, the only real long-term effect of bankruptcy is the elimination of debt.

When you file Chapter 7 bankruptcy, the fresh start bankruptcy, the most common form of bankruptcy, you will have put your debt problem behind you in a matter of months. After that, you will have the opportunity to start rebuilding your credit and your life. The fact of the matter is that if you are considering bankruptcy, your credit is probably already damaged. Filing bankruptcy is the beginning of the repair process.

If you file Chapter 13 bankruptcy, you will have a repayment plan that lasts three to five years. You will get in the habit of making payments, and this habit will continue after all of your debt has been discharged. After you have completed the plan, you may find that you are able to get credit much sooner than you might have expected.

You will have questions about life after bankruptcy. At the Hunter Law Firm, P.A., our attorneys will take the time to provide answers. We want you to understand the process and how it will impact your future. We want you to be confident that you are moving in the right direction and that you will be able to get your financial situation under control.