Experienced Bankruptcy Attorney
Bankruptcy, Not The End But A New Beginning. We are a debt relief agency. We help people file for bankruptcy. We provide Flexible Payment Options
Divorced? Unemployed? Overwhelmed? I provide private counseling to people in need.
Practicing Bankruptcy Law Since 1992.
El personal de asistencia en español.
The bankruptcy laws are the laws society provides to allow the honest but unfortunate person or couple to have their debts reduced or forgiven entirely. The bankruptcy laws offer a fresh start to people trapped in debt. To qualify for bankruptcy you must be able to demonstrate that you are unable to easily pay your debts in full. Generally speaking, there are two options in bankruptcy.
Chapter 7 – Is the most common type of bankruptcy. Chapter 7 completely forgives most debts such as credit cards, medical bills and in some circumstances taxes.
Chapter 13 – Is a personal reorganization. Chapter 13 can to do many things such as eliminate a second mortgage or home equity line of credit (under some circumstances), stop a threatened foreclosure, reduce car payments (under some circumstances), stop vehicle repossession and reduce or eliminate credit cards and medical bills. In chapter 13 most people pay pennies on the dollar to credit cards.
Determining if bankruptcy is right for you requires specific guidance from an attorney because each situation is different. The information here is general in nature and is not a substitute for an in office consultation with a lawyer.