Peterson Zeyer Law - Nampa, ID

Idaho's Leading Bankruptcy Firm Serving Nampa and the Treasure Valley

Financial hardship can strike anyone due to unexpected medical bills, job losses, divorces, or economic downturns. If you feel overwhelmed by debt and need to find a lawyer who will guide you toward immediate financial relief without judgment, Peterson Zeyer Law is here to serve you. Established in 1978, our firm has filed thousands of successful bankruptcies, helping Idaho families stop collection lawsuits, halt wage garnishments, protect their homes, and rebuild their credit from the ground up.

Led by highly-rated bankruptcy attorney Hyrum M. Zeyer, our Nampa office offers personalized representation at affordable, flat rates. Unlike larger firms where you rarely speak to your actual attorney, we prioritize face-to-face meetings and constant communication. By the time your court hearing arrives, you will have met with Mr. Zeyer several times, ensuring you feel completely prepared, supported, and confident at every step of your legal journey.

Chapter 7 Bankruptcy: Wiping Out Debt for a Fresh Start

If you are struggling under the weight of credit card debt, medical bills, or personal loans, Chapter 7 bankruptcy may be your best path to financial freedom. Idaho's Chapter 7 bankruptcy allows eligible individuals to completely discharge their unsecured debts, typically within four to six months, while retaining their essential assets like their home and vehicle through state and federal exemptions. Peterson Zeyer Law helps you navigate the complex bankruptcy means test and uses over 45 years of collective firm experience to maximize your asset exemptions, protecting your hard-earned property from liquidation.

Chapter 13 Bankruptcy: Restructuring and Saving Your Home

If your income is above the Idaho median or you are facing foreclosure, a Chapter 13 bankruptcy offers a powerful debt restructuring solution. Under a Chapter 13 filing, we design a court-approved, interest-free three-to-five-year repayment plan tailored to your budget. This allows you to catch up on missed mortgage payments, restructure auto loans, and pay back a manageable fraction of your unsecured debt. Once completed, any remaining eligible unpaid debt is completely discharged, giving you a clean slate.

Stopping Garnishments, Foreclosures, and Creditor Harassment

The moment we file your Chapter 7 or Chapter 13 bankruptcy, the court issues an Automatic Stay. This powerful federal order legally binds all creditors, forcing them to immediately stop all collection actions. This means:

• Immediate cessation of harassing phone calls, emails, and letters
• Halting active wage garnishments and bank account levies
• Stopping home foreclosure sales and vehicle repossessions
• Suspending pending debt collection lawsuits

If you need a bankruptcy lawyer immediately to stop a garnishment, our firm can file your case extremely fast-sometimes in just a few days. We also offer flexible zero-down payment options on Chapter 7 filings to help you secure immediate relief when you need it most.