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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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. -
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 -
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. -
Stellar Communication
“He is extremely professional and I would highly recommend him to anyone needing legal advice.”
- Raine -
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. -
Eric gets back to me fast.
“Eric gets back to me fast. Answers all my questions timely. It was very apprectiated.”
- Melvin V. -
Highly recommend.
“Always ready to help.”
- Vesna 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. -
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. -
Someone You Can Trust
“I would highly recommend Eric for any legal assistance you may need.”
- Jay -
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. -
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. -
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 -
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. -
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 -
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. -
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. -
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. -
Highly recommend!
“Erik is very knowledgeable, helpful, down to earth great attorney. Highly recommend!”
- Sarah F.
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
