Thompson Law Office - Des Moines, IA Bankruptcy lawyer specializing in U.S. Bankruptcy Code Chapters 7, 12 and 13

Nancy Thompson

We are a debt relief agency under federal law who assists people in filing for bankruptcy relief under the U.S. Bankruptcy Code. We help consumers, farmers, and small businesses in Iowa file bankruptcy under Chapters 7, 12 and 13.

We assist clients in:

• Determining if bankruptcy is the right solution for them
• Represent debtors in negotiations with lenders
• Assist clients in defending against overly aggressive debt collectors
• Represent debtors who seek compensation for unfair debt collection
• Aid clients in preventing foreclosure of their homes and farms.

We are conveniently located in downtown Des Moines and have over twenty years of experience helping people with credit problems. Our goal is to serve our clients by being a trusted Iowa bankruptcy lawyer to the Des Moines area and throughout the state of Iowa.

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	Can I keep my house and car?
	Often, you will be able to keep both your house and car. Generally, to do this you should continue to make your regular mortgage or loan payments. If a lender insists that a debtor sign a reaffirmation agreement on a vehicle the debtor may be required to attend a hearing before the judge. We’ll discuss this in greater detail during our visit.
	How long does the process take?
	From the time of filing to the receipt of a discharge in a Chapter 7 or confirmation of a Chapter 12 or 13 Plan, the process generally takes about six months. Most of that time nothing much is happening except waiting for time periods to pass. Most debtors are finished actually having to do anything within a month after filing.
	What debt cannot be discharged in the bankruptcy?
	In general, debts for student loans, alimony and child support, some back tax obligations, criminal restitution, and debts for death or personal injury caused by operating a vehicle while intoxicated are not dischargeable. There are exceptions though so if you have these types of debts be sure to discuss them with us when we meet.
	What information will I need to provide?
	Thompson Law Office uses a detailed questionnaire to get information about income, assets, expenses, and creditors. In addition, you'll need to provide us copies of paystubs or other income statements for the 7 months prior to filing, tax returns for the most recent three tax years, property tax assessments on any real estate, and credit reports. We'll give you a complete list of the required documents.
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