File For Bankruptcy in Vermont

Eliminate
    Credit Card Bills
    Medical Bills
    Foreclosure Process
    Wage Garnishment
    Creditor Harrasment
Keep
    Your Home
    Your Car
    Your Wages
    Your Furniture
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How We Help in Vermont

UpRight Law has helped many Vermont residents get out of debt.

If you’re in debt in Vermont and need a fresh start, we want to help. UpRight Law was founded to help good people who find themselves overwhelmed by debt to get the new beginnings they need to build better lives for themselves and their families.

We want to make it as easy as possible to get the information you need about Chapter 7 and Chapter 13 bankruptcy. That’s why we’re offering a free, online consultation with an experienced bankruptcy lawyer.

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Overwhelmed by Credit Card Debt in Vermont?

If you’re deep in credit card debt and feel like there’s no way out, you’re not alone. U.S. residents are in debt to credit card companies for more than $800 billion. The credit card companies would like you to believe that you have no option but to continue to struggle, but that may not be true. Many people in Vermont and around the United States are able to discharge credit card debt in bankruptcy, freeing them to live more productive financial lives. In fact, Americans discharge about $20 billion in credit card debt each year.

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Stop Creditor Harassment in Vermont

Some dishonest debt collection firms want you to believe that you’re at their mercy. That’s simply not true. Both the Vermont legislature and the United States Congress have enacted statutes specifically written to protect consumers from abusive or deceptive debt collection practices. Your rights don’t disappear simply because you’ve fallen behind on your bills. You’re still entitled to decent treatment, and you can fight back if debt collectors violate the law. If you’re being threatened or harassed by debt collectors, schedule a free consultation to learn more about the limitations the state and federal Fair Debt Collection Practices Acts place on collection agencies.

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Chapter 7 Bankruptcy Law

Being in debt isn’t a crime or a character flaw: good people find themselves struggling with debt for many reasons. Some of the most common are medical problems, divorce, death of a spouse, and job loss. Debt collectors may try to make you feel guilty, or convince you that you’re up against a wall with nowhere to go. However, Chapter 7 bankruptcy offers a solution for many Vermont residents who are overwhelmed by unsecured debt. In a successful Chapter 7 case, most unsecured debt can be discharged. That means the bankruptcy filer is no longer legally obligated to pay the debt, and the creditor is no longer allowed to pursue payment. You may even be able to file for bankruptcy online.

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Chapter 13 Bankruptcy Explained

Chapter 7 bankruptcy isn’t the right answer for everyone. For those whose income is too high to qualify for Chapter 7, or who have property to protect while taking control of their debts, Chapter 13 bankruptcy offers a different type of solution. Whereas unsecured debts are discharged in a Chapter 7 case, Chapter 13 allows for a three to five year repayment plan. For those who have regular income to put toward repaying debts but can’t seem to catch up on past due bills, a Chapter 13 plan may be the answer. Some remaining unsecured debt may even be discharged when your payment plan has been completed.

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Bankruptcy and Foreclosure

Facing foreclosure can be frightening. If you’ve been threatened with the loss of your home, you can’t afford to wait and hope for the best. Instead, learn about your options and decide on the best course of action for your family. For many homeowners, Chapter 13 bankruptcy can stop foreclosure by providing the breathing room to catch up on past due payments over time. If, on the other hand, mortgage payments are too high and it’s time to make a change, Chapter 7 bankruptcy spares many Vermont residents from deficiency judgments after foreclosure. Whether your goal is to stay in your home or to get out from under the burden of unmanageable mortgage debt, make sure you get the information you need to take control of the situation in the best way for you.

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Overwhelmed by Medical Debt in Vermont?

While the credit industry likes to paint a picture of bankruptcy filers as deadbeats who used credit cards to stock up on luxury goods and then walked away from their debts, the truth is that medical bills play a significant role in nearly half of personal bankruptcy cases. To make matters worse, many people struggling with large medical debts also face lost work time and even ongoing medical problems. For many Vermont residents, there is a way to clear the slate and rebuild after serious illness or injury. For those who qualify, medical debt can generally be discharged in a Chapter 7 bankruptcy case, freeing the debtor from the obligation to ever pay those bills.

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Vermont Wage Garnishment Laws

The percentage of wages vulnerable to wage garnishment in Vermont depends upon the nature of the debt. For most consumer debts, the amount available for withholding is limited to 15% of disposable income. For some other types of debt, a larger percentage is considered fair game for creditors. In most cases, when a bankruptcy case is filed, an automatic stay is entered. The automatic stay immediately stops collection action, including wage garnishment. Even if a wage garnishment is already in effect, withholding will stop immediately. If that sounds like the type of relief you need, learn more about how bankruptcy can stop wage garnishment.

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Do You Qualify for Bankruptcy Protection?
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I am really appreciative of the services I received from your team. You worked very hard in getting to the bottom of my situation and were able to resolve my problems in a timely manner. If I ever have a friend or family member in need of these services, I would definitely recommend you to them. Thanks for everything!

Timothy M. Kalamazoo, MI

You did an excellent job in resolving my issue with my pesky creditors. He got me a very nice settlement and he did it in a more than timely manner. Thank you all for the work you all did. It is greatly appreciated.

Malina B. Portland, OR

Our Bankruptcy Attorneys in Vermont

If you’re in financial trouble in Burlington, Bennington, Rutland, Montpelier, Brattleboro or elsewhere in Vermont, our bankruptcy lawyers want to help. If you’ve lost control of your finances and need help to get back on the path to a secure future, request a free case evaluation today. We’ll connect you with an experienced bankruptcy attorney online.


Rebecca A. Rice

Partner

Rutland, VT
30 Years of Experience

Practice Areas

Bankruptcy Real Estate Probate Landlord & Tenant

Admitted 1987, Vermont; 1989, U.S. Dist […]

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William Van Zyverden

Partner

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