Often, Alaskans can find themselves, through no fault of their own, over their head in debt.  They fear that they may have their vehicle repossessed, kicked out of their house, or generally have the life they are trying desperately to put together torn asunder.  It is a nerve-racking, depressing, and leaves one wondering, “Is there any way out.”  Luckily bankruptcy, as provided by the Federal Government, can provide a good option for many Alaskans in debt.  Life-destroying debt can happen to anyone.  Robert Morris provides an understandable figure for this adversity.  Robert Morris was a signatory of both the Declaration of Independence and the Constitution.  He helped to finance the American Revolution and was a personal friend of George Washington.  During Washington’s administration, however, this Founding Father fell into debt so badly that he was thrown into debtors’ prison.  Washington saw how his beloved friend was floundering and, as President, created bankruptcy as an option to personally help Robert Morris.  Today, because of Washington’s legislation, many Americans can have a second financial chance.  Despite the story of Robert Morris, bankruptcy is an extremely complicated legal apparatus that is all but impossible for the average Alaskan to use.  I offer my services as an attorney to provide help for those on the Kenai Peninsula struggling financially by filing bankruptcies.  I am also one of the few who do practice Bankruptcy in this region.  If you are struggling financially in this locality where the cost of living is very high, bankruptcy may be an option for you.  I serve Kenai, Soldotna, Seward and Homer.  I offer a free first consultations to personally discuss your financial tribulation with you that a bankruptcy attorney in Anchorage will simply not be able to do.  Give me a call at (907)-690-4624.

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IMPORTANT INFORMATION ABOUT BANKRUPTCY ASSISTANCE SERVICES FROM AN ATTORNEY OR BANKRUPTCY PETITION PREPARER.

“If you decide to seek bankruptcy relief, you can represent yourself, you can hire an attorney to represent you, or you can get help in some localities from a bankruptcy petition preparer who is not an attorney. THE LAW REQUIRES AN ATTORNEY OR BANKRUPTCY PETITION PREPARER TO GIVE YOU A WRITTEN CONTRACT SPECIFYING WHAT THE ATTORNEY OR BANKRUPTCY PETITION PREPARER WILL DO FOR YOU AND HOW MUCH IT WILL COST. Ask to see the contract before you hire anyone.

“The following information helps you understand what must be done in a routine bankruptcy case to help you evaluate how much service you need. Although bankruptcy can be complex, many cases are routine.

“Before filing a bankruptcy case, either you or your attorney should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most likely to be beneficial for you. Be sure you understand the relief you can obtain and its limitations. To file a bankruptcy case, documents called a Petition, Schedules, and Statement of Financial Affairs, and in some cases a Statement of Intention, need to be prepared correctly and filed with the bankruptcy court. You will have to pay a filing fee to the bankruptcy court. Once your case starts, you will have to attend the required first meeting of creditors where you may be questioned by a court official called a ‘trustee’ and by creditors.

“If you choose to file a chapter 7 case, you may be asked by a creditor to reaffirm a debt. You may want help deciding whether to do so. A creditor is not permitted to coerce you into reaffirming your debts.

“If you choose to file a chapter 13 case in which you repay your creditors what you can afford over 3 to 5 years, you may also want help with preparing your chapter 13 plan and with the confirmation hearing on your plan which will be before a bankruptcy judge.

“If you select another type of relief under the Bankruptcy Code other than chapter 7 or chapter 13, you will want to find out what should be done from someone familiar with that type of relief.

“Your bankruptcy case may also involve litigation. You are generally permitted to represent yourself in litigation in bankruptcy court, but only attorneys, not bankruptcy petition preparers, can give you legal advice.”.