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Chapter 7 bankruptcy is for those whose financial situation makes it almost impossible to get their debts permanently discharged.
In most Chapter 7 cases, one is able to keep almost all of their property through generous state and federal debt exemptions. While there is major difference between a secured debt (i.e. a mortgage) and an unsecured debt (i.e. credit card), a discharge in Chapter 7 bankruptcy will almost certainly dismiss all debts. This allows one to rebuild their life without the threat of lawsuits, garnishments and creditor harassment.
Chapter 13 bankruptcy also known as a “wage earner’s plan” enables one to have their debts dismissed without being declared bankrupt. Chapter 13 allows an individual to repay some or all of their debts through a monthly repayment plan over the course of 3-5 years. If the plan is completed, the individual’s debts are dismissed and it is very rare that there is any loss of property.
The fees charged by Mr. Demsky’s offices are very competitive with the industry. At this point in his career, Leon is dedicated to the preservation of his client’s lives, and will work with you on a plan that fits your budget. He personally leads every case in his offices, and regularly communicates with his clients through text, phone calls, and email.
Chapter 7 bankruptcy petitions can vary greatly in their complexity, and the fees associated will differ from case to case.
The fees for a Chapter 13 bankruptcy are significantly higher than Chapter 7, but part of the fees may be rolled into the plan’s required monthly payments. Our office’s attorney fees start at $1500 for Chapter 11 bankruptcy filings, which includes the bankruptcy filing fee.
LEON S. DEMSKY
Attorney at Law
2300 Clarendon Blvd, Suite 700
Arlington, VA 22201
8133 Leesburg Pike, Suite 920
Vienna, VA 22182