Sioux Falls Chapter 7 Bankruptcy Attorney
Experienced & Dedicated Legal Services in South Dakota
Chapter 7 – sometimes called “straight” bankruptcy or “liquidation” bankruptcy – is the most common form of bankruptcy in the U.S. When you file for Chapter 7, the court implements an automatic stay that prohibits creditors from attempting to collect or taking legal action. This puts a stop to harassing phone calls and letters.
If you are in overwhelming debt, Ronke Law can help you explore your options. If Chapter 7 is right for your situation and aligns with your financial goals, we can initiate the legal action. Our Sioux Falls Chapter 7 bankruptcy lawyer will ensure that you understand the process ahead and will provide the representation and support you need throughout your case.
Contact us at (605) 250-9988 for a free, initial consultation concerning your financial situation.
How Chapter 7 Bankruptcy Works
In this type of bankruptcy, a trustee designated by the court will collect your non-exempt assets, which will be liquidated to pay off your debts. The state of South Dakota provides a long list of assets that are exempt from bankruptcy liquidation, such as your home, car, certain personal property, wages, pensions, public benefits, and more. In many cases, little remains that will be liquidated.
Whatever can be liquidated is used to pay off your creditors and the rest of your debt is discharged – meaning you will no longer owe it.
This type of bankruptcy generally discharges unsecured debt such as:
- Credit card debt
- Medical and dental bills
- Personal loans
- Utility bills
- Back rent
- Collection agency accounts
If you owe collateral-based debt, such as house and car payments, you must continue to pay those to keep the assets. Other types of debt cannot be discharged include child support, spousal support, certain taxes, student loans, personal injury damages, and penalties owed to government agencies.
To learn more, call Ronke Law at (605) 250-9988 today.
Client reviews
People Matter Most
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Everyone is nice and informative in the office!
“Everyone is nice and informative in the office! Would recommend them to everyone I meet”
- Dan T. -
Knowledgeable and Courteous
“Mr. Ronke provided excellent service. He put my mind at ease and made me feel comfortable during the entire process. Eric was easy to communicate with and explained each step in detail - I never felt ...”
- Pam I -
Highly recommend!
“Bankruptcy can be a VERY intimidating and overwhelming load to overcome. Eric made it so much easier. He was there every step of the way. Anytime anything popped up that worried me, he was fast to reply and let me know it's all normal and part of the deal.”
- Tom A. -
Eric Does a Fantastic Job!
“If you need any legal advice/assistance with estate planning, bankruptcy or business law, call Ronke Law!!”
- Katherine H. -
I would highly recommend Eric Ronke and Ronke Law.
“I would highly recommend Eric Ronke and Ronke Law.”
- David S. -
Gives Sound Advice That Has Guided My Decision Making
“Eric is one the few lawyers I have enjoyed talking to and gives sound advice that has guided my decision making.”
- Jordan V. -
Stellar Communication
“He is extremely professional and I would highly recommend him to anyone needing legal advice.”
- Raine -
Ronke Law is the full experience!
“You have chosen the right place! Thank you Eric for your stellar service hands down the best experience!”
- Cristal K. -
He kept me informed every step of the way!!!
“He will forever be my go lawyer if I ever need court assistance in the future.”
- Joshua S. -
Eric is so knowledgeable and explains it in a way that everyone can understand.
“I finally met with him a few years ago because I wanted to make sure my son was taken care of in the event that something would happen to me.”
- Jay T. -
Eric offers better financial options than the other lawyer we met with and opportunities to help build our credit back
“My husband and I had decided to file for bankruptcy and it wasn't an easy decision to make. We had worked really hard to get where we were at. We met with two different lawyers and out of the two Ronke Law was the better fit for us. Eric and his staff were”
- Lindsay M. -
I highly recommend them!
“Eric and Maria were so professional and responsive to any questions I had! They really made this process so easy and never made me feel bad about having to file for bankruptcy. I highly recommend them! Thank you Eric for everything!”
- Cynthia D. -
A Conscientious and Authentic Attorney
“If you are going through legal situations where you are not sure to turn, I definitely would encourage anyone to talk with Eric at Ronke Law.”
- Client -
They made the whole process seamless
“They are very efficient and was always there with a quick response to answer any questions I had. They made the whole process seamless”
- Karen R. -
Eric and his assistant are great to work with, they both have been very on top of communication during such a stressful process.
“Eric and his assistant are great to work with, they both have been very on top of communication during such a stressful process. I felt at ease knowing that he is so experienced and knowledgeable in Bankruptcy, the process may have had some road blocks but”
- Kristen R. -
We would definitely recommend him to others.
“Mr. Ronke answered all of our questions throughout the process and knew exactly how to help us through it. We would definitely recommend him to others.”
- Judy N. -
Eric was fantastic as was his staff!
“Eric was fantastic as was his staff! I would recommend him to anyone and everyone. Thank you Eric, you are awesome!!”
- Sarie L. -
Someone You Can Trust
“I would highly recommend Eric for any legal assistance you may need.”
- Jay -
Eric is Great to Have on Your Team
“I have recommended Eric to many people, including letting him handle my own personal matters. Give him a call for your legal matters.”
- Client -
Cannot say enough about how thankful we are for choosing this route and the help we were given.
“My Husband and I had chosen Ronke Law last year and it was such a smooth experience. Cannot say enough about how thankful we are for choosing this route and the help we were given.”
- Dani S.
Ronke Law
Why We're The Best Choice For You-
Work Directly With the Attorney
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Free In-Person Consultations
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Payment Plans Available
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720CreditScore.com Services after Bankruptcy
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Quality Service With an Attorney Who Cares
Download our complimentary book,
"Rebuilding Your Life After Bankruptcy"
Written by Eric J. Ronke
