Bankruptcy

Pahlke Law has helped clients across South Dakota eliminate debt problems and get a fresh start.

“What type of people file bankruptcy?” The answer is all types of people. People who have lost a job and now have fallen behind on their credit card bills or have incurred medical bills and cannot pay. People who have gotten sued or have a judgment against them and now their wages are being garnished or have had their bank account cleaned out or people whose house is in foreclosure.

“Should I file for bankruptcy?” We will help you review your situation and determine if bankruptcy is the best option for you. Speaking to Pahlke Law is your best option to figure out how to get your life back on track.

Bankruptcy gives you the power to take control of your finances and get rid of bills you cannot pay. There is no need to be embarrassed or worried, bankruptcy was created for you to use to get out of debt you cannot repay. You are not alone if you face these challenges. Get the help you need today by contacting us.

Types of Bankruptcies

Chapter 7

Chapter 11

Chapter 12

Chapter 13

Which type of Bankruptcy should I file?

Chapter 7 - A chapter 7 bankruptcy lets individuals wipe out their debt and move on with a fresh start. Credit card debt, medical bills, repossessed vehicles, payday loans, cash advances and other unsecured loans can all be wiped out in a chapter 7. We can help determine the property you can keep, get rid of unsecured debt and obligations and move on with life in a few months.
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Chapter 13 - A chapter 13 bankruptcy lets individuals get out from under their debt while making payments to creditors as part of the bankruptcy plan. A chapter 13 bankruptcy is designed to help if your home is in foreclosure or you are behind on auto payments as it can allow you to keep your home or auto while catching up on the payments you have missed. A chapter 13 bankruptcy can help if you earn too much or you have property you cannot protect in a chapter 7 bankruptcy.
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Chapter 12 -A chapter 12 bankruptcy is designed to help farmers and ranchers restructure their debt and keep their proptery.
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Chapter 11 - A chapter 11 bankruptcy is generally for a business that needs to restructure its operation.
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*We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

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Creditor Representation

We also help creditors collect on debts and recover property by replevin actions in South Dakota.

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