Bankruptcy And Debt Relief In Ames

If bills are piling up in Ames, you have options. This page can help you compare Chapter 7, Chapter 13, and debt relief through bankruptcy. Most clients meet by phone or video. If an in-person meeting is helpful, we can discuss options.

Free Initial Consultation | Remote Appointments Available | Serving Clients Across Iowa

     EXCELLENT  
  58 reviews

Free Consultation

Prefer to talk now? Call 641-472-5141

Chapter 7 Bankruptcy in Ames

Learn how Chapter 7 typically works for Ames residents, who may qualify, and what the process can look like.

Understand Chapter 7

Chapter 13 Bankruptcy in Ames

Explore repayment plans, common timelines, and how Chapter 13 may help some people catch up while protecting important property.

Explore Chapter 13

Debt Relief And Bankruptcy Options For Ames

See how Chapter 7 and Chapter 13 can provide debt relief through bankruptcy, and compare the two options so you can choose a clear next step.

See Debt Relief Options

See What Past Clients Have Said

      EXCELLENT  
   Based on 58 reviews 
    
 
 
 
   
 
 
      Posted on Google  
   
   Rebecca Smith 
 41 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane and his office handled my case with kindness, respect and dignity.  I felt zero shame from him and his staff, and my own outcome was exactly what I had hoped for. I would absolutely recommend Zisman Law.
  
 
     Posted on Google  
   
   Cassidy Coppage 
 71 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane was so helpful from start to finish of a very long process! I was embarrassed and overwhelmed with the situation I was in, but Shane was there every step of the way explaining things and helping me through it! Highly recommend!
  
 
     Posted on Google  
   
   Lyndsey Stowers 
 71 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane was great and super helpful during the whole bankruptcy process!! He was always quixk with replies, questions and concerns! He is also very patient during the times I felt overwhelmed!! 10/10
  
 
     Posted on Google  
   
   Angie drinovsky 
 82 days ago
 
 
 Trustindex verifies that the original source of the review is Google. I highly recommend Attorney Shane Zisman at Zisman Law. They were professional, responsive, and guided us through our bankruptcy filing flawlessly. They took the stress out of a very tough situation and helped us get back on track.
  
 
     Posted on Google  
   
   Rusty Luksich 
 108 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Great to work with
  
 
     Posted on Google  
   
   Chris Arnold 
 108 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane is about as down to earth and straight forward as you can get. He doesn’t BS you and tells you exactly what is expected of you and lays out your tasks for your specific situation. Never had an issue with communication. His team is awesome and I highly recommend using his services.
  
 
     Posted on Google  
   
   Debra Pettyjohn 
 125 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Very happy  with  his service.
  
 
     Posted on Google  
   
   Mark Halda 
 125 days ago
 
 
 Trustindex verifies that the original source of the review is Google. This law firm that we hired for the bankruptcy did a very well job they didn't what they said they were going to do we made our payments and paid it off and they began and they were on it until we were through court and finished they are very well offered I would hire them over again thank you very much Shane
  
 
     Posted on Google  
   
   P.H. Boer 
 126 days ago
 
 
 Trustindex verifies that the original source of the review is Google. Shane helped me through my Chapter 7 bankruptcy and I couldn’t have asked for a better experience. He made a stressful situation feel manageable and kept things clear every step of the way. I had a few moments of confusion along the process, and he was always patient and took the time to explain things until it clicked. I’m really grateful for his help and would absolutely recommend him to anyone needing an attorney.
  
 
     Posted on Google  
   
   Rebecca Goeke 
 145 days ago
 
 
 Trustindex verifies that the original source of the review is Google. We were walked through each step. It couldn't have gone any better or been any easier. Great communication and explanations all the way through the process.

Past results do not guarantee a similar outcome. Each case is unique.

Start With A Free Consultation

Shane Zisman, Iowa bankruptcy attorney, meeting with a client

Not Sure Which Option Fits? Let’s Talk.

We’ll review what’s going on, explain whether Chapter 7 or Chapter 13 may fit, and talk through what to expect. Fees are discussed before you decide.

Free Consultation
Phone, Video, Or In-Person Meetings By Appointment When Helpful
Serving Clients Across Iowa

Chapter 7, Chapter 13, And Debt Relief Options For Ames

This page helps people in Ames and Story County compare Chapter 7, Chapter 13, and debt relief through bankruptcy. If you are falling behind on bills and want clear next steps, start here. You can explore the specific paths below or schedule a free consultation to talk through your situation.

Focus On A Specific Legal Path

Looking For A Different Location?

If you live outside Story County, you can find our full list of service areas here: Iowa cities we serve.

What We Discuss In A Free Consultation

When you call, we focus on your actual goals and the legal facts of your case.

How to handle harassing creditor phone calls, lawsuits, or a threatened wage garnishment
What happens to unsecured debts like high-interest credit cards, medical bills, and personal loans
Ways to protect your home or vehicles from foreclosure or repossession
Which bankruptcy chapter aligns better with your income and property

We always explain our fees clearly before you make any decisions about moving forward.

Common Questions From Ames Residents

Does Zisman Law work with people living in Ames?

Yes. Zisman Law serves clients across Iowa, including residents of Story County.

Do I need to drive out for an in-person meeting?

No, you can handle the entire process remotely through phone calls, video meetings, and email. If meeting in person would be helpful for you, we can arrange that by appointment.

How do I know if Chapter 7 or Chapter 13 is the right fit?

It depends on your income, your debts, and your goals. A consultation can help you understand the tradeoffs and which option may fit your situation.

Will filing for bankruptcy actually stop creditors from calling me?

Yes. Filing bankruptcy triggers an automatic stay. This is a federal court order that legally stops collection calls, lawsuits, and wage garnishments.

Am I allowed to keep my house and car if I file?

With limited exceptions, yes, you can keep essential property like your primary home and vehicles. We will review your specific assets during a consultation to explain exactly how exemptions apply to you.

How many months does the bankruptcy process take?

The timeline depends on which chapter you file and the specifics of your case. Chapter 13 involves a court-approved repayment plan that lasts three to five years, while Chapter 7 is typically faster.

What paperwork should I gather before we talk?

It helps to have recent pay stubs, a general list of who you owe, and any recent court papers or collection letters. Do not worry if you do not have everything ready right away. You can still call, and we will let you know what to find next.

Does Contacting The Firm Make Me A Client?

No. Contacting the firm does not create an attorney-client relationship. If you choose to move forward, you will receive a written engagement agreement.

Why Financial Stress Can Look Different In Ames

Ames has a local economy shaped by Iowa State University, healthcare, research, education, and other major employers across Story County. That means financial stress can build in different ways here. For some people, the pressure starts with reduced hours, contract changes, medical bills, or rising housing costs. For others, it is credit card debt, collection pressure, wage garnishment, or falling behind on a car loan or mortgage.

Local organizations like the Ames Chamber of Commerce reflect how closely Ames is tied to a mix of education, research, healthcare, and regional business activity. This page is here to help you compare the bankruptcy options that may fit and understand the next step.

Not Sure Where To Start?

If you want a clear plan, the fastest next step is a free consultation. We’ll listen to what’s going on, explain the options that may fit your situation, and help you decide what to do next.

Confidential. Phone or video appointments available. Clear next steps.

Prefer to talk now? Call 641-472-5141