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Bankruptcy Lawyer Beloit WI

Struggling with overwhelming debt in Beloit, WI? Our compassionate bankruptcy lawyers are here to guide you through the process of filing for bankruptcy, offering a path to financial recovery. Discover how we can help you achieve a fresh start and regain control of your finances today.
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Smiling womanAttorney Kevin O'Flaherty

"Kevin was extremely professional, responsive and knowledgeable when I came to him for help. I would definitely recommend O'Flaherty Law!"

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We believe your attorney should not speak in legalese

Finding an attorney who is a “real person” can be difficult. Many attorneys surround themselves almost exclusively with other attorneys and are accustomed to speaking in ivory tower legalese.  You should be able to connect with your attorney on a personal level, and he or she should speak to you in plain language that you can understand.  You will be working very closely with this person on issues that are very important to you. It is important that he or she be down-to-earth and someone that you connect with.

We believe your attorney should be accessible

The most common complaint that clients have of their attorneys is that the attorney is unreachable, does not communicate with them regularly, or does not promptly return your calls.  Your attorney should reach out to you about your case regularly and respond within 24 hours to calls and e-mails.  An open line of communication between you and your attorney is essential to building trust.

Learn how we service your area through our Remote Location Approach.

We believe your attorney should be realistic with you about costs and outcomes

Your attorney’s goal should not be to win at all costs.  Rather, it should be to achieve a favorable outcome for you as efficiently as possible.  It is important that your attorney set realistic expectations at the outset as to the costs you should expect, the concerns that the attorney has about the outcome of your case, and the length of time that you should expect your case to take.

Regardless of the nature of your case, we have an experienced attorney who will focus on your individual needs. Our team of attorneys works closely together, bringing each of their different fields of experience to bear in order to optimize our client care.

Client Testimonials

Christi M.

Kevin's firm handled setting up my will and trust recently. They took something that seemed intimidating and made it easy to understand. I've also referred a couple clients to Kevin - he's trustworthy, approachable and very fairly priced.

Marvin

"I've used Kevin and his firm's services since 2011. He gave undivided attention to my cases, advised me on different options and..."

Rachel B.

"Kevin was extremely professional, responsive and knowledgeable when I came to him for help. I would definitely recommend O'Flaherty Law!"

About Bankruptcy Lawyer Beloit WI:

Navigating Bankruptcy in Beloit, WI

Facing financial hardship is a challenging experience, but filing for bankruptcy in Wisconsin can offer a way out. Whether you're considering Chapter 7 bankruptcy for debt forgiveness or Chapter 13 bankruptcy for debt restructuring, our Beloit bankruptcy lawyers provide the knowledge and support you need to navigate this complex process.

Understanding Your Bankruptcy Options

Bankruptcy can seem daunting, but understanding your options is the first step toward financial freedom:

  • Chapter 7 Bankruptcy in Wisconsin: Ideal for individuals seeking to eliminate most unsecured debts like credit card balances and medical bills, offering an instant fresh start.
  • Chapter 13 Bankruptcy in Wisconsin: Suitable for those with a regular income who wish to consolidate debts and create a manageable payment plan, preventing repossession or foreclosure.

The Benefits of Filing for Bankruptcy

Filing for bankruptcy in Wisconsin comes with immediate protections and long-term benefits:

  • Automatic Stay: Halt's bill collector harassment, lawsuits, wage garnishments, and foreclosure actions.
  • Debt Relief: Chapter 7 bankruptcy wipes out unsecured debts, while Chapter 13 restructures them into affordable payments.
  • Asset Protection: Prevents vehicle repossession and home foreclosure, potentially reducing payments and interest rates.

Anecdotal Story: John's Journey to Debt Relief

John, a Beloit resident, faced mounting debt from medical bills and credit card expenses after a sudden illness. Despite his best efforts, John was unable to keep up with payments, leading to constant calls from creditors and the looming threat of foreclosure on his home. Feeling trapped and hopeless, John turned to our bankruptcy lawyers for help.

With our guidance, John filed for Chapter 13 bankruptcy in Wisconsin. This allowed him to consolidate his debts into a manageable payment plan based on his income, stopping creditor harassment and saving his home from foreclosure. Through this process, John also received counseling to create a sustainable budget plan, setting him on a path to long-term financial stability.

Steps to Filing for Bankruptcy in Wisconsin:

  • Consult with a bankruptcy lawyer to assess your financial situation.
  • Complete the required credit counseling.
  • Prepare and file your bankruptcy petition with the court.
  • Attend the 341 meeting of creditors.
  • Complete debtor education courses.
  • Receive your discharge and start anew.

How To Reach Our Beloit Location:

From Janesville, WI:

  • Head south on Main St toward E Milwaukee St.
  • Follow W Court St to merge onto WI-51 S towards Beloit.
  • In Beloit, WI-51 S becomes S Madison Rd. Turn right onto Liberty Ave, then left onto 3rd St. Destination will be on your left.

From Rockton, IL:

  • Start on Main St north and enter Wisconsin on IL-75 E, which becomes WI-75 E.
  • Continue to Beloit, turn right onto Broad St, then left onto 3rd St. Destination on the right.

From South Beloit, IL:

  • Begin on Blackhawk Blvd heading west into Wisconsin; it becomes Shirland Ave.
  • Turn right on 4th St, left onto Portland Ave, then right onto 3rd St. Destination on your left.
Expertise Best Child Support Lawyers in Chicago 201710 Best 2016 Client Satisfaction American Institute of Family Law AttorneysAvvo Clients' Choice 2016 DivorceRising Stars Kevin P. O'Flaherty SuperLawyers.com10 Best Law Firms 2018 Client Satisfaction American Institute of Family Legal Counsel Attorneys Estate Planning Law40 under forty

What to Expect From a Legal Consultation

The purpose of a consultation is to determine whether our firm is a good fit for your legal needs. Although we often discuss expected results and costs, our attorneys do not give legal advice unless and until you choose to retain us.

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Location

Office Address

645 3rd St.

Ste. 53

Beloit, WI 53511

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Hours of Operation

Monday
9:00am - 6:00pm
Tuesday
9:00am - 6:00pm
Wednesday
9:00am - 6:00pm
Thursday
9:00am - 6:00pm
Friday
9:00am - 6:00pm
Saturday
Closed
Sunday
Closed

Attorneys

Meet the Owner

I am personally committed to ensuring that each one of our clients receives the highest level of client service from our team.  Our mission is to provide excellent legal work in a cost-effective manner while maintaining open lines of communication between our clients and their attorneys.  Many of our clients are going through difficult times in their lives when they reach out to us.  They should feel comfortable leaning on the experience and knowledge of our attorneys as their counselors and advocates.  We are here to help!

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- Attorney Kevin O'Flaherty, Owner

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