At Foley Freeman, our law firm’s lawyers have decades of experience and a combined experience that sets us apart in representing individual consumers in Idaho bankruptcy courts. We offer a comprehensive range of legal services related to bankruptcy, including support for debtors, advice on equity exemption, and tailored solutions for managing the bankruptcy process. Our bankruptcy attorneys are problem solvers who develop creative, yet practical, debt relief measures for every client, making our firm a proven resource for people seeking the best way back to productivity and peace of mind. Clients can consult with an experienced Boise bankruptcy lawyer at our Boise office, which is available for local clients seeking bankruptcy help.
Our team is also committed to giving people long-term guidance. Bankruptcy is not just about getting rid of debt — it is about rebuilding a financial future. We talk openly with clients about how filing bankruptcy will affect credit scores, how to handle medical bills or wage garnishments, and what strategies will put them in the best position for a fresh start.
Helping Individuals & Families Achieve Debt Relief
According to the American Bankruptcy Institute, bankruptcy filings exceeded 1 million each year from 2008 to 2013, but since then, the number of filings has declined. Even with this decrease, many people in Boise, ID and the surrounding area continue to struggle with overwhelming debt. Given these numbers, debtors should not feel embarrassed or ashamed about considering bankruptcy. Rather, proactively seeking the advice of bankruptcy lawyers can be the first step toward financial stability.
Our law firm has extensive experience and a strong track record in assisting individuals and families with bankruptcies, providing guidance and relief throughout the bankruptcy process. By carefully reviewing each client’s specific financial circumstances, we can explain whether Chapter 7 or Chapter 13 bankruptcy may provide the best path forward.
We also recognize that money troubles affect the entire family. Medical bills, taxes, divorce, and job loss can all contribute to debt. Our attorneys take time to understand these pressures so we can build solutions that truly match a client’s situation.
Understanding the Bankruptcy Code
Bankruptcy in Idaho is governed by both Idaho law and federal law under the United States Bankruptcy Code. This code sets out the rules for debtors and creditors and determines what types of assets may be protected during a bankruptcy case. Our experienced bankruptcy attorneys stay up to date on every part of the bankruptcy code, including the exemptions that allow people to protect non-exempt assets like household goods and certain vehicles.
Because the law is complex, clients benefit from experienced bankruptcy lawyers who can explain the details in simple terms. We make sure that people know their legal rights before moving forward with a filing. This includes discussing which debts can be eliminated, how to pay creditors, and whether a repayment plan or liquidation is most appropriate.
Achieving a Fresh Start With Chapter 7 Bankruptcy
A Chapter 7 bankruptcy case is a legal proceeding governed by federal bankruptcy law and is the most common type of bankruptcy. Chapter 7, often referred to as liquidation, allows individuals to sell off non-exempt assets to pay creditors. After Chapter 7 is filed, the bankruptcy court determines how debts will be repaid with the funds from liquidation. Once all funds are distributed, any remaining unsecured debts are generally eliminated or cancelled.
At Foley Freeman, we walk clients through the entire Chapter 7 process. Some clients worry about losing everything, but most everyday belongings — clothing, furniture, and even cars — are protected under exemptions. Our Boise bankruptcy attorneys explain these protections during the initial consultation. Knowing what is protected helps reduce stress and gives people the confidence to move forward.
Maintaining Stability With Chapter 13 Bankruptcy
In many cases, people who file for Chapter 13 bankruptcy have steady income but cannot keep up with their debt payments. Rather than liquidating assets, Chapter 13 allows debtors to propose a repayment plan supervised by the bankruptcy court. Payments are structured over three to five years, giving people a manageable way to seek relief while protecting their property.
This option also helps those who are facing foreclosure or dealing with wage garnishments. With Chapter 13, these actions can be stopped, giving clients a chance to stabilize their finances. Our bankruptcy lawyers prepare detailed proposals and work with the responsible party at the court to make sure the plan is approved.
Debt Reorganization and the Bankruptcy Process
Bankruptcy is more than paperwork. It is about finding the right solution to a difficult financial problem. Some clients benefit from debt reorganization through Chapter 13. Others need the clean break of Chapter 7. In every situation, our bankruptcy attorneys analyze income, debts, and assets to recommend the most practical path.
We also provide guidance on rebuilding credit and planning for a better financial future after bankruptcy. Our legal team often helps people understand how to manage accounts, limit unsecured debts, and avoid problems that may lead to another bankruptcy case.
Proudly Serving Boise, ID and Ada County
Our Boise bankruptcy attorneys and bankruptcy lawyers proudly serve clients throughout Boise, ID, Ada County, and nearby areas. We believe that serving clients means listening to their concerns, answering questions, and guiding them with respect. People facing life altering injuries, divorce, or job loss often come to us unsure of their options. We provide clear explanations so they can make informed decisions.
We are also members of the Idaho State Bar, including its bankruptcy section, which connects us with other professionals in this field. Our commitment to ongoing education helps us provide the most reliable advice under both state and federal law.
Protecting Your Financial Future
At Foley Freeman, our goal is not only to help clients make it through bankruptcy but also to ensure the path is cleared for a better financial future. Many people seek relief from medical bills, taxes, and other unsecured debts, and we guide them toward a fresh financial start.
We also explain the consequences of not taking action. Ignoring debt can result in wage garnishments, lawsuits, or the loss of property. By working with an experienced bankruptcy attorney, clients can avoid these outcomes and move toward stability.
Legal Services Focused on Your Best Interests
Bankruptcy should never be taken lightly, but it can be the right step for people who want to protect their family and move forward. Our law firm is committed to acting in the best interests of our clients. From the initial consultation to the final order, we stand with people every step of the way.
Our experienced bankruptcy lawyers understand that every bankruptcy case is different. That is why we personalize every plan, whether through Chapter 7 liquidation or Chapter 13 debt reorganization.
Contact a Trusted Consumer Bankruptcy Attorney
While bankruptcy should never be taken lightly, it can be a new beginning for you and your family. Foley Freeman is committed to seeing our clients through the bankruptcy process, offering nonjudgmental advice and working to make bankruptcy proceedings as comprehensible and stress-free as possible. Our attorneys have extensive legal knowledge in handling complex bankruptcy and business cases, including business bankruptcy and business law matters for companies and businesses facing financial distress. We also assist clients with divorce and related family law issues. For more information about your options under consumer bankruptcy law, please contact our offices to schedule a personal consultation.