Bankruptcy is a process in which consumers and businesses can eliminate or repay some or all of their debts under the protection of the Federal Bankruptcy Court. For the most part, bankruptcies can be divided into two types — Chapter 7 and Chapter 13.
Your eligibility to file a Chapter 7 is based on your family's income, assets and family size. If you fall within the guidelines, your debt (and that of your spouse, if filed jointly) will be discharged.
Visit the FAQ portion of our website to obtain answers to the most frequently asked questions. Or schedule a free consultation to discuss your unique situation.
In a Chapter 13, individuals make monthly payments to a Trustee over three to five years to repay some or all of your debt. The amount of your repayment is based on your unique situation and financial ability.
Filing a Chapter 13 also allows families to save their home from foreclosure!
Please use the Consultation Checklist to assist you in gathering paperwork necessary to proceed. If you are missing or do not have access to the documents, we ask that you keep your scheduled appointment.
Hand deliver the day of your appointment, PDF attachments emailed prior to your appointment or fax the requested information.
Everyone who considers filing for bankruptcy must undergo credit counseling before the Courts will allow the Petition to be processed.
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