Chapter 7 CREATING PEACE OF MIND

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
  • Great for people that need assistance with payments.

    “Great for people that need assistance with payments.”

    - Lisa P.
  • I would highly recommend Eric Ronke and Ronke Law.

    “I would highly recommend Eric Ronke and Ronke Law.”

    - David S.
  • I found Eric to be an extremely knowledgeable, professional, easy to communicate with, effective attorney.

    “I found Eric to be an extremely knowledgeable, professional, easy to communicate with, effective attorney. His practice offers the unique ability to administer services to a wide range of clientele due to him being a compassionate, genuine human being. I a”

    - Cody B.
  • Highly recommend.

    “Always ready to help.”

    - Vesna S.
  • Highly recommend!

    “Erik is very knowledgeable, helpful, down to earth great attorney. Highly recommend!”

    - Sarah F.
  • 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.
  • 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.
  • Never Felt Rushed or Forced into Making Decisions Without Knowing All the Facts

    “Eric takes the time to make sure you understand everything and what is to be expected from the very beginning.”

    - Amanda W.
  • Eric Does a Fantastic Job!

    “If you need any legal advice/assistance with estate planning, bankruptcy or business law, call Ronke Law!!”

    - Katherine H.
  • Professional Relationship

    “Not only does he focus on his clients personal needs but spends additional time networking to grow his business relationships to help further serve his clients.”

    - Brandon S.
  • I would highly recommend Ronke Law

    “I could not be happier with the time it took to get my legal matters cleared up and how responsive the staff to acknowledge my concerns, I would highly recommend Ronke Law”

    - Charles C.
  • He was very thorough and had great follow through and communication

    “He was very thorough and had great follow through and communication”

    - Letty P.
  • 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.
  • 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.
  • Thank You!

    “Did a really great job for my family. Made the process very quick and painless. Thank You!”

    - Robert M.
  • If you need a great bankruptcy lawyer, than I would definitely recommend Ronke Law, PLLC!

    “Eric and his staff are very professional and took care of me during a very difficult time of my life. If you need a great bankruptcy lawyer, than I would definitely recommend Ronke Law, PLLC! Thanks again Eric for the easy process of filing bankruptcy and”

    - Andrew S.
  • 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 Made My Bankruptcy Easy & Less Stressful

    “Eric made my bankruptcy easy and less stressful. He walked me through all of the steps needed and always answered all of my questions. I would recommend him to any of my friends/family!”

    - Carly K.
  • Stellar Communication

    “He is extremely professional and I would highly recommend him to anyone needing legal advice.”

    - Raine
  • 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.
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Ronke Law

Why We're The Best Choice For You
  • Quality Service With an Attorney Who Cares
  • 720CreditScore.com Services after Bankruptcy
  • Payment Plans Available
  • Free In-Person Consultations
  • Services Available in English & Spanish
  • Work Directly With the Attorney
Free e-Book

Download our complimentary book,
"Rebuilding Your Life After Bankruptcy"
Written by Eric J. Ronke

  • EstatePlanning.com
  • Wealth Counsel Member
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