Bankruptcy Lawyer in York & Seward

Life can throw unexpected challenges your way. Many of our clients are weighed down by financial burdens caused by circumstances beyond their control. Here are some of the most common reasons people choose to file for bankruptcy in Nebraska:

• Wage Garnishment – Creditors taking a portion of your paycheck can leave you struggling to make ends meet. Bankruptcy can stop garnishments immediately, giving you the breathing room you need.
• Foreclosure Threats – The threat of losing your home is devastating. Filing for bankruptcy temporarily halts foreclosure proceedings and allows you to explore options to keep your home.
• Overwhelming Student Debt – While bankruptcy does not usually eliminate student loans, it can help free up resources by discharging other debts, making loan payments more manageable.
• Debt Settlement – When minimum payments are no longer enough, or you're drowning in late fees, bankruptcy provides a powerful legal solution for managing or discharging debt.

Nebraska families from communities like York, Schuyler, and Auburn often face these challenges. With the right legal assistance, you can find a positive resolution tailored to your situation.

Understanding Bankruptcy Chapters

We know the bankruptcy process can seem complicated, so we strive to make it as straightforward as possible. Below are the most common bankruptcy chapters we help our clients with.

Chapter 7

Often called “liquidation bankruptcy,” Chapter 7 allows individuals to discharge most unsecured debts, such as credit cards and medical bills. It’s a popular choice for those with little disposable income and few valuable assets.

Chapter 13

This “repayment plan” bankruptcy is for individuals with steady incomes who want to keep assets like their home or car. You’ll work out a payment plan over three to five years to catch up on overdue debts.

Chapter 11

Chapter 11 is primarily used by businesses or individuals with substantial assets and debts. It involves reorganizing and renegotiating debt to stay operational or financially stable.

Chapter 12

Created specifically for family farmers and fishermen, Chapter 12 allows debt restructuring to help these groups continue operating during financial distress.

Why Choose Lentz Law, PC, LLO?

At Lentz Law, PC, LLO, we’re well-versed in the unique financial challenges faced by residents of Nebraska City, Seward, and other rural communities. Local bankruptcy statistics show that Nebraskans often encounter significant financial stress due to medical expenses, housing costs, and reduced wages. By working with Lentz Law, PC, LLO, you’ll partner with professionals deeply rooted in the region who are committed to helping our neighbors regain their financial footing.

We work tirelessly to protect your rights and ensure you have the tools and knowledge necessary to make the best decision for your future. From filing documents to representing you in court, our team is by your side at every step.

Take the First Step Toward Financial Freedom

If debt has taken control of your life, Lentz Law, PC, LLO can help you take it back. Reach out to our experienced team today and schedule a consultation. Whether you live in Ogallala, North Platte, or Scottsbluff, our firm is only one call away. Together, we’ll explore your options, help you understand the process, and work toward the fresh start you deserve.

Contact us for a free initial consultation.