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Bankruptcy Help

Bankruptcy can be a very tough decision.  Some people find being unable to pay their debts so overwhelming that they don't know where to start.  Others want honor their promises, but they couldn't possible pay what they owe under the circumstances.


Bankruptcy is your legal right and can provide you with relief from collections, foreclosure and repossession.  There's no shame in putting all of your cards on the table and saying, I just can't pay anymore. 

For the typical consumer, there are two types of bankruptcy. The first is Chapter 7, which allows you to get rid of most consumer debits (with exceptions like student loans).  To qualify for a Chapter 7 bankruptcy, you would have to meet certain requirements, especially income guidelines.  If you qualify for a Chapter 7, you can avoid consumer debts like credit cards, judgments, and deficiencies.

The other type of bankruptcy for consumers is a Chapter 13.  A Chapter 13 bankruptcy is for people who don't meet the income requirements of a Chapter 7 or for people who are trying to save their home from foreclosure or a car from repossession. A Chapter 13 bankruptcy allows you to pay off your debts over time so that you can keep your property and be protected from collections efforts.

Please give us a call if you would like to set up a free 30 minute consultation regarding whether bankruptcy is the best of option for you and your family.

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