Chapter 7 is the bankruptcy in which the client sells their assets to pay off debts. It is the quickest and simplest form of bankruptcy and is available to individuals, married couples, corporations and partnerships. The proceeds of this sale are then divided among creditors to settle debts. Federal statutes and state laws determine what property is considered "exempt". You get to keep exempt property for use in making a fresh start after bankruptcy. Most often, clients can be exempt from everything they currently own so there is nothing distributed to creditors, ending in a no-asset case where the debtor keeps all that they own.
Chapter 13 bankruptcy involves the creation of a payment plan. It is designed for individuals with regular income who desire to pay their debts but are currently unable to do so in the way the creditors are demanding. We will work with the client to create a plan in which the debt is paid back within 3-5 years, after which the debt will be gone, or caught up. This plan goes through bankruptcy court and if it is approved, it is sent to creditors, put in motion, and paid over time. Chapter 13 is very different from Chapter 7, since the Chapter 13 debtor makes payments to creditors based on their anticipated income over the life of the plan.
You need an experience criminal defense attorney if you are charged with a crime to make sure that your case is defended as skillfully as possible. Do not risk losing your freedom and your rights in court. A skilled attorney, like J. Wesley Rowden, will inform you of your rights and how to exercise them. Attorney Rowden has been a prosecutor and is now a defense attorney with 25+ years of experience.
A DUI can destroy your life if you are not defended properly. The initial consultation will help to determine the best way to deal with your case, and inform you of your best options. This may be to resolve the charges, or to fight the case in court. Whatever you choose, we'll do our best to be there with you every step of the way.