Bankruptcy

Key Bankruptcy Services:

• Chapter 7 Bankruptcy: Liquidation of assets to discharge unsecured debts.
• Chapter 13 Bankruptcy: Structured repayment plan to manage and eliminate debts

What is the difference between Chapter 7 & 13?

The biggest difference between Chapter 7 and Chapter 13 is that Chapter 7 focuses on discharging (getting rid of) unsecured debt such as credit cards, personal loans and medical bills while Chapter 13 allows you to catch up on secured debts like your home or your car while also discharging unsecured debt.

Compassionate Legal Counsel:

I recognize the stress and uncertainty that financial struggles bring. My approach is rooted in compassion, and I work closely with clients to understand their unique situations, offering personalized solutions that align with their goals and financial circumstances.

How Bankruptcy Can Help:

• Debt Relief: Bankruptcy can provide relief from overwhelming debt, offering a path to a fresh financial start.
• Asset Protection: Depending on the chapter, bankruptcy may allow you to protect certain assets while addressing debts.
• Halt Creditor Harassment: Filing for bankruptcy triggers an automatic stay, putting an immediate stop to creditor actions, including calls and collections.

The Bankruptcy Process:

• Consultation: Begin with a confidential consultation to assess your financial situation.
• Filing: Prepare and file the necessary bankruptcy documents with the court.
• Automatic Stay: Experience immediate relief from creditor actions once the automatic stay is in place.
• Repayment Plan (Chapter 13): Work with me to create a manageable repayment plan if filing for Chapter 13.

Call us today for a free consultation.