BANKRUPTCY

Welcome to the Affinity Law Group’s Section on Bankruptcy Practice. Over the years we have helped hundreds of people just like you who were behind on their bills, suffocated by debts, harassed by collectors, or facing foreclosure. Use this page to learn basic information about bankruptcy law and your rights as a debtor. We are young, aggressive and look forward to assisting you.

Please visit our Steps for Filing Bankruptcy Page. Once you have educated yourself, feel free to contact us for a confidential in-person, no-obligation consultation with one of our attorneys who focuses on bankruptcy and debt resolution strategies. We hope that you will take this opportunity to restore your financing security and give yourself the peace of mind that you deserve.

How Affinity Law Group Can Help You?

In an effort to improve their financial situation, over one million Americans file bankruptcy annually. In addition, every three months approximately 250,000 American families enter into foreclosure. Our experienced Hawaii bankruptcy lawyers understand the harsh realities of these statistics and offer our clients legal help with a wide range of solutions.

At the Affinity Law Group, our Honolulu based attorneys realize the hardships those who file for bankruptcy experience and offer legal advice and assist in representing our clients file for bankruptcy protection under Chapter 7, 13 and/or 11 of the Bankruptcy Code.

Our lawyers can explain the various aspects of bankruptcy law and ensure that you receive all of the help and legal services needed for your individual situation. If you’re considering bankruptcy in Hawaii and need help understanding your options, the Hawaii bankruptcy attorneys at Affinity Law Group can help.

We offer representation in the following bankruptcy-related matters:

CHAPTER 7 BANKRUPTCY

A Chapter 7 bankruptcy is a type of bankruptcy case that allows a debtor to eliminate unwanted and harmful types of debt such as credit card balances, personal loans, and unpaid medical bills and other unsecured dischargeable debts.  Most people who are facing financial hardship use a Chapter 7 bankruptcy to get their fresh start.

CHAPTER 13 BANKRUPTCY

A Chapter 13 bankruptcy is a type of bankruptcy where the Debtor will propose a repayment plan (called a “Chapter 13 plan”) that will allow certain creditors to be repaid at least a portion of the amounts owed over a period of time (generally three and not longer than five years). This is in contrast to a Chapter 7 bankruptcy in which one’s debts are generally eliminated without any repayment. For certain individuals, it is much more advantageous to file for Chapter 13 as opposed to Chapter 7. Please feel free to contact us to allow us the opportunity to review your financial situation in detail to determine whether a Chapter 7 or Chapter 13 bankruptcy is right for you.

CHAPTER 11 BANKRUPTCY

Chapter 11 is one chapter of the US Bankruptcy Code which, allows financial restructuring and reorganization as opposed to liquidation of a company’s assets. Certain individuals who are not eligible for a fresh start under Chapter 13 may also consider a Chapter 11 bankruptcy.