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
  • 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.
  • Exactly What Is Needed

    “Eric is a very professional lawyer. He educates and guides you in a compassionate way through your legal process.”

    - Judy A.
  • Superior Quality & Service

    “As a law enforcement officer with over 27+ years of service I honestly cannot remember when the last time was when I reviewed legal documents that are commensurate with the high detail exhibited by the ones he had prepared for my father.”

    - Kevin
  • 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.
  • 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.
  • 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.
  • Prompt, Professional, & Personable

    “If any individuals were ever in our situation and had to make this decision as well, I would without a doubt refer them to Eric.”

    - Client
  • A very positive experience.

    “A very positive experience. I would recommend Eric without hesitation. He prepared a trust for me with a timeline that made me feel like he valued my business and made me a priority. At a very reasonable rate. If you’re looking for personal service f”

    - Dan J.
  • 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 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.
  • 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
  • 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.
  • Great Attorney

    “Great to work with. Always available to answer questions. Great Attorney”

    - Chris W.
  • 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.
  • 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 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.
  • 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.
  • 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.
  • 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.
  • Very Smooth Process

    “Was a very smooth process to set up an LLC. It really has paid off to have it all filed correctly and was able to bring up other start-up questions that are good to go over ahead of time.”

    - John H.
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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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