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
  • 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.
  • Compassionate & Understanding

    “He is compassionate and understanding of your situation if you're filing for Bankruptcy, he is excited and your biggest supporter when getting your LLC set up, and when it comes to your will and trust he listens to whats most important to you”

    - Kyle J.
  • Highly recommend!

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

    - Sarah F.
  • Highly recommend.

    “Always ready to help.”

    - Vesna 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 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.
  • 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.
  • Great Attorney

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

    - Chris W.
  • 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
  • What a relief.

    “Great service! They were knowledgeable and made me feel comfortable. I would definitely recommend Ronke Law.”

    - Jennifer
  • Great for people that need assistance with payments.

    “Great for people that need assistance with payments.”

    - Lisa P.
  • 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.
  • Someone You Can Trust

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

    - Jay
  • 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.
  • 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.
  • Amazing!

    “Eric answered all of our questions. He was very easy to get a hold of. You spoke directly to him, not to a secretary that passed on the information. He handled our needs quickly. We will definitely be doing business with him in the future.”

    - Shawn G.
  • 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.
  • 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.
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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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