Your Law Firm for Bankruptcy Protection
Stop the calls. Stop the lawsuits. Get your life back. At Cannon Legal PLLC, we represent clients across the country in Chapter 7 and Chapter 13 bankruptcy proceedings. From discharging debt to halting creditor collection actions, we provide the expert legal guidance you need to secure a stable financial future. Take control of your finances with a leader in bankruptcy defense.
Your Partners in a Fresh Start
Facing financial insolvency is stressful, but you do not have to face it alone. Here is why thousands of consumers trust Cannon Legal PLLC:
- Aggressive Representation: We do not just file paperwork; we stand between you and your creditors, fighting to protect your rights and stop harassment immediately.
- Transparent Flat-Fee Pricing: You are already worrying about money. You shouldn’t have to worry about your legal bill. We provide clear, upfront pricing for our services.
- Chapter 7 Focus: We possess deep experience specifically in Chapter 7 liquidation, maximizing your ability to discharge unsecured debt and move forward.
- Compassionate Counsel: We treat every client with dignity. We are here to help you solve a problem, not judge how you got there.
Comprehensive Bankruptcy Services & Pricing
At Cannon Legal PLLC, we believe in transparency. We offer dedicated legal representation to help you navigate the Chapter 7 process, ensuring you understand every step toward your financial freedom.
Chapter 7 Bankruptcy Filing (Individual)
Chapter 7 Bankruptcy Filing (Business Owner)
Chapter 7 Means Test Analysis
Bankruptcy Avoidance &Alternative Consultations
Chapter 11 Subchapter V
Common Questions About Bankruptcy & Debt Relief
The bankruptcy system relies on transparency. Fraud involves hiding assets, lying about income, or falsifying forms. At Cannon Legal PLLC, we ensure your petition is accurate and honest to protect you from legal penalties and ensure your discharge is granted.
A Chapter 7 bankruptcy generally remains on your credit report for 10 years from the filing date, while a Chapter 13 stays for 7 years. However, many clients find they can begin rebuilding their credit score shortly after their debt is discharged.
The Means Test is a calculation used to determine if you qualify for Chapter 7 based on your income relative to the median income in your state. If you earn too much to qualify for Chapter 7, you may still be eligible for relief under Chapter 13.
Think of Chapter 7 as a “reset” and Chapter 13 as a “reorganization.”
- Chapter 7 involves liquidating non-exempt assets to wipe out unsecured debt (like credit cards and medical bills).
- Chapter 13 involves setting up a 3-to-5-year repayment plan to pay back a portion of your debts. We help you determine which chapter fits your income and assets.
Generally, no. Federal law prohibits private employers from terminating you solely because you filed for bankruptcy. Furthermore, government agencies cannot deny you licenses or benefits based solely on a bankruptcy filing.
Yes, the Automatic Stay temporarily prevents repossession. Depending on your equity in the car and your ability to continue making payments, you may be able to keep your vehicle (“reaffirm” the debt) after the bankruptcy.
Yes. The Automatic Stay can temporarily halt foreclosure proceedings immediately. While Chapter 7 delays the process to give you time to plan, it does not automatically catch up on payments. We can discuss if this is the right tool for your housing goals.
Not necessarily. Bankruptcy laws include “exemptions” designed to prevent you from becoming destitute. Depending on your state’s laws, you can often protect essential assets like your home, vehicle, and personal items. We will help you understand which assets are protected in your specific situation.
A discharge is the finish line of your case. It is a court order that permanently prohibits creditors from collecting on specific debts. Once a debt is discharged, you are no longer legally required to pay it.
The Automatic Stay is a powerful legal injunction that triggers the moment your bankruptcy is filed. It immediately stops most creditor actions, including harassing phone calls, collection letters, wage garnishments, and lawsuits.