Joe Wittman is one of the dedicated & experienced bankruptcy attorneys in Topeka, KS. We can help you file for Chapter 7 or Chapter 13 bankruptcy for individuals, couples and small businesses. Call us today at 785-234-3663 for your bankruptcy lawyer needs. Whether you should file Chapter 7 or Chapter 13 will depend on a number of factors. Talk to us if you are facing foreclosure and we can help you find out whether or not it might be possible to keep your house and get debt relief at the same time through restructured payment programs. As experts in bankruptcy in the Topeka, KS area, we have the skills and expertise to help you move forward, confident that you can reduce stress and follow a plan to move past your debts If your debt ratio is out of control, bankruptcy may be the right way for you to get the debt relief you need and start fresh. The laws regarding bankruptcy may not be clear to you and /or you might have a unique situation you need advice about. We would be happy to provide you with a bankruptcy consultation to help you explore your choices. Chapter 7 Bankruptcy allows the debtor to pay either a portion or all of his/her debt while still being able to retain their possessions. Your plans for repayment are submitted to the courts and must be approved by the courts for it to be effective. After your final payment, you will be discharged of all liability on these accounts and this debt.