The Law Offices of
William C Bullard
Hawaii bankruptcy lawyer William C Bullard provides quality legal services to clients on all the Hawaiian islands who find themselves overwhelmed with debt. William personlly dedicates his time and resources to get to know you and your legal needs in order to provide legal services that will give you a bright financial future. As an experienced bankruptcy lawyer in Hawaii he has helped many Hawaiians achieve a fresh start and financial freedom and can help you as well.
Hawaii Chapter 7 Bankruptcy
Chapter 7 bankruptcy protection is sometimes referred to as straight bankruptcy or liquidation. It is the most common form of bankruptcy in the United States. Chapter 7 bankruptcy discharges most debts consumers have like credit cards, medical bills, deficiency balances for repossessed vehicles or foreclosures, unsecured loans, and garnishments. While not all of your debts will be forgiven (e.g. child support, taxes, student loans), it will give you the freedom of a fresh start and the financial room to manage these obligations without the burdensome consumer debt payments that are halted when filing Chapter 7 bankruptcy. Read More Hawaii Chapter 7 Bankruptcy...
Pricing Chapter 7
Providing clients with years of lawyering experience and personal service at the best value is the mission of the Law Offices of William C. Bullard. As a solo law firm we have the ability to reduce overhead for unnecessary expenses and pass those savings along to you in affordable attorney fees.
In most cases, the attorney fee for a simple Chapter 7 is $1,199.00. The Bankruptcy Court filing fees for Chapter 7 are an additional $338.00 for a total cost of $1,537.00. Read More Pricing Chapter 7...
Structured Payment Plan
Often those considering filing bankruptcy are in such financial difficulty that raising the funds for lawyer fees and court costs seems out of reach. The solution is our structured payment plan. A minimum non-refundable payment of $300.00 is required in order to start work on your case. You may pay in the rest of the balance at your own pace but payment in full is required before I can file your petition. Read More Structured Payment Plan...
Chapter 13 Bankruptcy
Alternatively, Chapter 13 may provide you with the best solution to suit your needs. Chapter 13 bankruptcy is basically a debt repayment plan that allows you to pay off your debt over a three to five year period. You may choose to file Chapter 13 bankruptcy for several reasons:
- You may have too much income to file Chapter 7 bankruptcy.
- You may have secured debts that you would lose by filing Chapter 7 bankruptcy.
- You may be significantly behind on your house payments and other secured debts.
By filing Chapter 13 bankruptcy, you can place your arrearage in your payment plan, which would give you up to five years to get caught up. You may have other debts such as child support that cannot be discharged by filing Chapter 7 bankruptcy. By filing Chapter 13 bankruptcy, those debts can be placed in your payment plan and paid over time. Secured debts such as home mortgages must be fully repaid when you file Chapter 13 bankruptcy. Child support and student loans must also be repaid 100 percent. But you may only have to pay pennies on the dollar for unsecured debts such as credit card bills, hospital bills, and lawsuit judgments. If we determine that your only option is to file under Chapter 13 of the bankruptcy code, we will prepare and get approval of a repayment plan from the bankruptcy court. For our Chapter 13 clients, we place our focus on creating a plan that is both realistic and manageable for the long term. Read More Chapter 13 Bankruptcy...