Thompson Law Office - Des Moines, IA Bankruptcy lawyer specializing in U.S. Bankruptcy Code Chapters 7, 12 and 13

Nancy Thompson

The focus of Thompson Law Office is simple -- Help Iowans find answers to serious debt problems, including bankruptcy, foreclosure, unfair debt collection and inaccurate credit reporting.

We help clients:

• Determine if bankruptcy is the right solution
• Prevent foreclosure of homes and farms.
• Defend against overly aggressive debt collectors
• Seek compensation for unfair debt collection and inaccurate credit reports
• Negotiate with lenders.

There are options and debtors do have rights. The law provides protection and a fresh start for you as you face credit problems. Thompson Law Office can help you find solutions to fit your situation.

Search this site or connect with our blog to find some answers. Then call us for a free initial consultation. We are conveniently located in downtown Des Moines and have 25 years of experience helping people with bankruptcy and credit problems. Our goal is to serve Iowans by being a trusted Iowa bankruptcy lawyer to the Des Moines area and throughout the state.

Speak up for those who can't speak for themselves, for the rights of the destitute. Speak up and judge fairly; defend the rights of the poor and needy. -- Proverbs 31:8-9.

^{We are a debt relief agency under federal law who assists people in filing for bankruptcy relief under the U.S. Bankruptcy Code. We help consumers, farmers and small businesses in Iowa file bankruptcy under Chapters 7, 12 and 13.}
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	Can I keep my house and car?
	Usually you can keep both your house and car. To do this you should continue to make your regular mortgage or loan payments. If a lender insists that a debtor sign a reaffirmation agreement on a vehicle the debtor may be required to attend a hearing before the judge. We’ll discuss this in greater detail during our visit.
	How long does the process take?
	From time of filing to receipt of a discharge in a Chapter 7 or confirmation of a Chapter 12 or 13 Plan, the process generally takes about six months. Most of this time is spent waiting. A debtor's work is often done within a month of filing.
	What debts can't be discharged in bankruptcy?
	In general, debts for student loans, alimony and child support, some back tax obligations, criminal restitution, and debts for death or personal injury caused by operating a vehicle while intoxicated are not dischargeable. There are exceptions. Be sure to discuss these when we meet.
	What information will I need to provide?
	We have a detailed questionnaire for you to fill out with information about income, assets, expenses, and creditors. You'll also need to provide copies of paystubs or other income statements for the 6 months prior to filing, tax returns for the most recent two tax years, property tax assessments on any real estate, and credit reports. We'll give you a list of all required documents.
	Click here for Q&A's on Debtor/Creditor law.