As of August 2020, attorney Samantha Kehl is no longer with her previous firm. The Kehl Law Firm, P.C., is currently taking meetings by appointment only.

Combining experience, compassion and reliable representation to give our clients the best possible experience during difficult times

  1. Home
  2.  » FAQ


What is a Chapter 7 Bankruptcy?

A chapter 7 bankruptcy lasts 3 to 4 months. Most individuals find relief from credit cards, medical bills, payday loans, and some IRS debt without paying these creditors any money or losing any belongings.

What is a Chapter 13 Bankruptcy?

A chapter 13 bankruptcy lasts 3 to 5 years with a wage garnishment. It can help people save homes and pay IRS debt by allowing people to enter into a repayment plan with their creditors.

Can I lose my job due to filing bankruptcy?

An employer is not allowed to discriminate against a current employee based solely on the fact the employee filed for bankruptcy relief.

Will I lose my home if I file bankruptcy?

The vast majority of individuals keep all of their belongings in a bankruptcy. The most important thing is to be honest and accurate when filling out your bankruptcy paperwork and pick an experienced bankruptcy attorney to help you.

Will I ever have credit again?

Many of our clients purchase cars and homes after filing bankruptcy. While our firm cannot guarantee that your credit score will improve after your bankruptcy is over, the majority of our clients report improved credit scores after bankruptcy. We will work with you to clean up your credit report and talk to you about actions you can take after bankruptcy to help improve your credit score.

How does bankruptcy stop creditor harassment?

After you file bankruptcy, federal law prohibits creditors from continuing to collect against you.

Do I make too much money to file bankruptcy?

If your income is high, it may be more difficult to file a Chapter 7 bankruptcy. However, our experienced staff have filed successful chapter 7 bankruptcies for many individuals who at first appeared to make “too much money” to file chapter 7 bankruptcy. If you are worried, please let our experienced staff help.

How does bankruptcy help with the IRS?

Bankruptcy can eliminate some IRS debt and allow you to repay the remaining IRS debt without penalties.