Providing solutions to overwhelming debt
A sudden tragedy, lost job or unexpected health problem can create mounting debt that quickly turns once- manageable bills into unbeatable monthly obstacles. By employing his substantial bankruptcy law experience, Justin Kallal can help you take control of your debt so you can take control of your life.

Negotiator of debt relief options
 Justin researches the best means for handling your debt, which is not always bankruptcy. When it is in your best interest to avoid bankruptcy, Justin is an experienced negotiator who can step in on your behalf to persuade creditors to lower your debt and accept more reasonable monthly payments.

Extensive experience with debt analysis
Justin truly listens to your needs and thoroughly analyzes your case to determine if bankruptcy is the best option for easing your financial burden. He reviews your debts, income and expenses, and explains the ultimate impact of bankruptcy on your family, business, home and future credit. If bankruptcy is the right choice, Justin answers all your questions about the bankruptcy process and the outcomes you should expect. His compassionate approach to dealing with bankruptcy leaves no unpleasant surprises.

Reprieve through automatic stay
Creditors’ aggressive collection methods unfairly compound the stress of escalating debt. You can put an end to the constant harassing phone calls and letters meant to intimidate you into paying debts you cannot afford. As soon as you or your business files for bankruptcy, creditors must immediately stop all collection efforts — including those distressing letters and phone calls. Justin can deal with your creditors so you can regain your peace of mind.

Your bankruptcy options
After an initial consultation and thorough debt analysis, Justin helps you decide which bankruptcy option is appropriate. Common types of bankruptcies include:

• Chapter 7 bankruptcy
  If you and your spouse own few assets and earn smaller wages, Chapter 7 bankruptcy grants you relief from debts through the liquidation of your assets. Because many household and personal items are exempt, you can make a fresh start with limited disruption to your life.  Many times you can even keep your house and your vehicle.
• Chapter 11 bankruptcy
  If you own a corporation, partnership or sole proprietorship, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a reorganization plan. The Chapter 11 option helps you escape debt without losing the business you struggled so hard to build.
• Chapter 13 bankruptcy
  You can stop lenders from foreclosing on your home through Chapter 13 bankruptcy. Or if you and your spouse earn higher incomes, but sudden illness, job loss or other unexpected circumstances have interfered with your ability to pay your bills, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.

Contact a Wyoming bankruptcy attorney you can count on
Justin Kallal, P.C. is located in Jackson, WY and serves clients throughout Wyoming, including Jackson, and Teton Village and Teton, Lincoln and Sublette counties.

Call Justin Kallal, P.C. at 307.734.2963 or contact the firm online to schedule an appointment.