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Bankruptcy

Helping you find debt relief
Filing for bankruptcy is an important decision that has significant implications for your life. But when mounting debt begins to feel unmanageable, bankruptcy can provide relief. At Dye & Moe, P.L.L.P. in Missoula, Montana, Harold V. Dye helps you decide whether filing for bankruptcy is the most effective way for you to take control of your debt.

Negotiators of debt relief options

Bankruptcy is not your only option. Harold V. Dye is an experienced negotiator who often works with creditors to develop out-of-court solutions that avoid bankruptcy. Frequently, I can negotiate a smaller debt amount that is payable in more manageable monthly installments.

Experts in debt analysis
For more than 40 years, I have been assisting people with overwhelming debts. I am certified in bankruptcy law by the American Board of Bankruptcy Certification. I analyze your case to determine if bankruptcy will advance your immediate and long-term financial goals. I review your debts, income, and expenses, and I explain the full effects of bankruptcy on your family, business, homeownership and access to credit. If bankruptcy is the right choice, I provide detailed information about the bankruptcy process and a complete picture of the outcome that you should expect. My upfront approach to bankruptcy gives you confidence in your financial future.

Reprieve through automatic stay
Filing a bankruptcy petition automatically triggers a stay, meaning that creditors must immediately stop collections letters and phone calls. I correspond with your creditors from the moment you file for bankruptcy, and I act entirely on your behalf.

Your bankruptcy options include:

  • Chapter 7 bankruptcy — For individuals and their spouses who own fewer assets and earn smaller incomes, Chapter 7 bankruptcy grants you relief from debts through liquidation of your assets.
  • Chapter 11 bankruptcy — For corporations, partnerships, and sole proprietorships, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a reorganization plan.
  • Chapter 13 bankruptcy — An option for families facing foreclosure or whose incomes are higher, Chapter 13 bankruptcy permits you to pay off debts under a court-ordered installment plan extending three to five years. This option provides numerous advantages, including the possibility of keeping your home.

Contact an experienced bankruptcy attorney
To schedule an appointment, call Dye & Moe, P.L.L.P. at 406-203-4746 today or contact me online.