Pepper and Nason AttornPepper and Nason is West Virginia’s premier bankruptcy firm. We practice in the Southern District of West Virginia Bankruptcy Court serving the cities of Beckley, Bluefield, Charleston, Hamlin, Huntington, Lewisburg, Logan, Madison, Parkersburg and the counties of Boone, Cabell, Clay, Fayette, Greenbrier, Jackson, Kanawha, Lincoln, Logan, Mason, McDowell, Mercer, Mingo, Monroe, Nicholas, Putnam, Raleigh, Roane, Summers, Wayne, Webster, Wirt, Wood and Wyoming.

What Is Bankruptcy?

Bankruptcy is a legal proceeding that provides an individual who cannot pay his or her bills a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops your creditors from attempting to collect debts from you, at least until your debts are sorted out according to the law.

Bankruptcy may make it possible for you to:

  • Eliminate any obligation to pay most or all of your debts. This is called a “discharge” of debts. It is designed to give you a fresh financial start.
  • Stop foreclosure on your house or mobile home and allow you a chance to catch up on missed payments. (Bankruptcy does not, however, automatically cancel mortgages and other liens on your property without payment.)
  • Prevent repossession of a car or other property, and in some cases you can force a creditor to return property even after it has been repossessed.
  • Stop wage garnishment, phone calls, debt collection harassment, and similar creditor actions to collect a debt.
  • Restore or prevent termination of utility service.
  • Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.

Bankruptcy cannot, however, cure every financial problem. But Pepper and Nason can help you bring order to your financial situation and figure out what protection is available to you.

Please fill out a questionnaire at our Free Consultation – Bankruptcy and Debt page or contact Pepper and Nason by calling us at (304) 346-0361 today, to find out if bankruptcy is right for you. There is no charge for the initial office visit.