IOWA CHAPTER 7 & CHAPTER 13 BANKRUPTCY REPRESENTATION

FREE INITIAL CONSULTATION 

LOW FLAT FEE FOR CHAPTER 7 

PAYMENT PLANS FOR CHAPTER 13 

STOP COLLECTIONS, GARNISHMENTS, REPOSSESSIONS AND FORECLOSURE NOW!

My name is Alex Galyon, and as a bankruptcy attorney with Beving, Swanson & Forrest, P.C., in Des Moines, I am committed to helping Iowans faced with both consumer and small business debts to find relief.  Both Chapter 7 bankruptcy or Chapter 13 bankruptcy can help with credit card debts, judgments, medical bills, garnishment of wages, repossessions and collections, or even mortgage  foreclosures.  

Bankruptcy is your legal right to start over again and get a fresh financial start.  In most cases you will be able to keep most if not all your possessions and start over.  Many people I speak with believe that you can no longer file for bankruptcy.  This is not true.  Bankruptcy relief is still available. 

contact me (515)-237-1181 to set a free initial appointment to review your situation and assist you with:

* Overwhelming debts including credit cards and medical bills.
* Garnishment of wages or bank accounts.
* Loss of a job, layoffs or other reductions in your income.
* Repossession of vehicles or other assets.
* Constant harassing collection calls from your creditors.
* Lawsuits or judgments, including mortgage foreclosures.
* Using cash advances or payday loans to pay credit cards or other loans.

Taking loans against your home or pensions to pay debts can be one of the worst financial mistakes you can ever make!  Those loans will usually not be discharged in bankruptcy, but credit card debts usually can be.  Please contact me first to discuss all your options and what loans like this can do to you and your families' financial future. 

Chapter 7 (straight liquidation) generally allows you to discharge most if not all your debts while keeping all your personal possessions.  Chapter 13 (re-payment plan) can be the best option if your home is in foreclosure, but you have regular income and could keep the home if you were allowed to get current on your loan.  Changes to the 2005 Bankruptcy Code require an important analysis called "means testing" to determine which chapters you are eligible for, based on your income and allowed expenses.  I will carefully review your financial situation to determine what relief is available for you.  Filing for bankruptcy provides an "automatic stay" which stops all collection efforts including judgments, garnishments, repossessions and even foreclosures, until the stay is lifted.  It can be one of the most important protections bankruptcy can offer you.  

Our offices are conveniently located at 321 East Walnut Street, Suite 200, in Des Moines, Iowa.  We are downtown, just East of the river, in the historic Northwestern Hotel building with free parking behind the building.  I am available Monday through Friday from 8 to 5, and evenings and weekends by appointment.  Click here for a map to our offices.     

My goal is to assist you in a difficult time; to offer you competent legal advise and counseling; and to guide you through the complexities of the Bankruptcy Code.  At times I may offer you difficult advice that you don't really want to hear, but I pledge to always treat you with the dignity, understanding and patience that you deserve.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.