Honolulu Bankruptcy Lawyer
Helping Debtors and Creditors across the Island of Oahu
If you are involved in a bankruptcy proceeding on the island of Oahu, whether as a debtor or as a creditor, you want an experienced bankruptcy attorney who will take the time to thoroughly evaluate your situation, help you identify your options, and give you a realistic idea of how your case will turn out. As a debtor, bankruptcy can give you a fresh start, but there are costs. As a creditor, you need to be certain that your interests are protected, so that you maximize your recovery.
At the offices of Donald L. Spafford, Jr., Attorney at Law, in Honolulu, we have counseled people for over 32 years. We represent debtors and creditors in all types of bankruptcy proceedings. Contact us to schedule a confidential meeting to discuss your bankruptcy concerns. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
We represent debtors and creditors in Chapter 7 and Chapter 13 bankruptcy proceedings, often in situations where credit card debt or adjustable mortgage rates have led to financial problems. If you are a debtor and qualify for a Chapter 7, we will help identify property that is exempt from sale, so that you can discharge debt without losing critical assets, such as your home or automobile. If you file a Chapter 13, we will help structure repayments so that your debt load is manageable and you can meet your obligations.
The bankruptcy laws changed in 2005, making it more difficult for individuals to qualify for a Chapter 7 bankruptcy filing. Debtors must now submit to a means test, where the bankruptcy court reviews your last six months of income and determines whether you earn enough to enter into a repayment plan with your creditors. If you do, you will fail the means test and your only option with respect to bankruptcy will be to file a Chapter 13. We understand the new bankruptcy laws and will work with you to help you meet the requirements of the means test if Chapter 7 is in your best interests.
We also represent debtors and creditors in Chapter 11 "Reorganization" proceedings. Whether you are a business owner trying to manage your debt or a creditor looking for assurances that you will be paid, we can help.
If you need an experienced bankruptcy attorney on the island of Oahu, contact our offices to schedule a confidential consultation. We are located in the Pauahi Tower in Honolulu's central business district. Evening and weekend hours are available upon request.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.