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
  • Eric and his team are WONDERFUL!!!

    “Eric and his team are WONDERFUL!!! Make the whole process easy and understanding! They always got right back to me when I would call or Email them! They all definitely went above and beyond. Thanks so much Eric, Maria and Mackenzie and anyone else on the b”

    - Nikki H.
  • Knowledgeable and Is Committed to His Clients

    “Eric did a great job helping with my living trust. He is very knowledgeable and is committed to his clients.”

    - Todd S.
  • Stellar Communication

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

    - Raine
  • 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.
  • 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.
  • Someone You Can Trust

    “I would highly recommend Eric for any legal assistance you may need.”

    - Jay
  • Highly recommend!

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

    - Sarah F.
  • I Would Recommend Eric to Anyone

    “Eric is great at his job and made my wife feel comfortable with discussing uncomfortable topics so that our family is protected in the event one of us or both of us should leave this earth. I would recommend Eric to anyone.”

    - Scott
  • Diamond In The Rough

    “Eric, was amazing very responsive when I had questions. Explained the whole process upfront with everything.”

    - Joshua S.
  • Honest, Trustworthy, Sincere, & Knowledgeable

    “I appreciate how he explains things to me so I feel "in the know" with the situation and not intimidated.”

    - Cristal
  • Eric Does a Fantastic Job!

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

    - Katherine H.
  • 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
  • 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.
  • 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
  • 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.
  • Great Attorney

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

    - Chris W.
  • 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.
  • 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.
  • I had a great experience with all the people there.

    “I had a great experience with all the people there. I was completely stressed out and high maintenance and they were right on top of everything. I highly recommend them. They are responsive to all my questions, and put up with a lot from me! But great Law”

    - Debbie G.
  • 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
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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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