Bankruptcy
A fresh financial start is possible. We guide you through Chapter 7 and Chapter 13 bankruptcy with compassion and expertise.
Free Bankruptcy ConsultationHow We Can Help
Chapter 7 Bankruptcy
Chapter 7 is the most common form of bankruptcy. It eliminates most unsecured debts quickly, usually within a few months, giving you a clean slate.
- Eliminates most unsecured debts (credit cards, medical bills, personal loans)
- Case typically completed in 3–6 months
- Immediately stops creditor calls, lawsuits, and wage garnishments
- Protect your home, car, and retirement accounts through exemptions
Chapter 13 Bankruptcy
Chapter 13 lets you keep your assets while repaying a portion of your debts over 3–5 years. It's ideal if you have regular income and want to save your home.
- Keep your home and catch up on missed mortgage payments
- Restructure car loans and reduce interest rates
- 3–5 year repayment plan based on what you can afford
- Discharge remaining eligible debt at plan completion
The Automatic Stay — Protection Starts Immediately
The moment you file for bankruptcy, an "automatic stay" goes into effect — immediately stopping most creditor collection actions, including phone calls, letters, lawsuits, wage garnishments, and foreclosures. You get breathing room from day one.
Frequently Asked Questions
Will bankruptcy ruin my credit forever?
Bankruptcy does impact your credit, but it's not permanent. Most clients see credit improvement within 1–2 years and are able to purchase homes and cars within 2–4 years of their discharge.
Will I lose my house or car?
In most cases, no. State exemption laws protect significant assets. Chapter 13 in particular is designed to help you keep your home even if you're behind on payments.
How do I know if I qualify for Chapter 7?
Chapter 7 requires passing a 'means test' based on your income. We'll evaluate your eligibility during your free consultation.
How much does bankruptcy cost?
Court filing fees and attorney fees vary. We offer affordable rates and payment plan options. We'll discuss all costs clearly at your consultation — no surprises.
Stop the Stress. Start Fresh.
Schedule a free, confidential consultation. We'll review your situation and explain your options clearly, with no obligation.