Whelan Ballo & Associates can assist you with Chapter 7 bankruptcy in the event you need to liquidate unsecured debts such as credit cards and medical bills. In order to qualify for Chapter 7 bankruptcy, you must have little to no disposable income. This is the perfect option for all low income debtors without many assets who need all their unsecured debt to be wiped clean.

Whelan Ballo & Associates can also assist you with Chapter 13 bankruptcy in the event that you need to reorganize your debt in order to make it more manageable. Chapter 13 bankruptcy can work for those who do not qualify for Chapter 7 bankruptcy because it is for debtors who have a more regular income who are able to pay back a portion of their debt. In Chapter 13 the debt is reorganized in order to create a manageable repayment plan to pay off the entirety or a portion of debts.