Consumer Bankruptcy

• Consumer Bankruptcy - Chapter 7

  Filing a Chapter 7 bankruptcy focuses on the discharge of debts by allowing an individual to gain a “fresh start.” A bankruptcy discharge, in addition to releasing a debtor from all personal liability from, prevents creditors from taking any further action against the debtor or his property in an effort to collect the debt. Most chapter 7 cases, approximately 99 percent, result in a discharge but it is not always guaranteed. It is important to remember a discharge does not eradicate liens on property. Read More

• Consumer Bankruptcy - Chapter 13

  Filing a Chapter 13 bankruptcy case focus on individuals with regular income from any source, not just wages. A sole proprietor is also eligible for chapter 13 relief. The objective is for individuals to pay creditors through a payment plan for a minimum of three but no more than five years. For an individual, even if self-employed in an unincorporated business, to qualify for chapter 13 relief, their unsecured debts must be $269,250, or less, and secured debts $807,750, or less. Read More

• Stop Foreclosures

  As you already know, foreclosure is no laughing matter. Since the day you first stared the possibility of losing your home in the eye, chances are you haven’t found much to smile about. But we have good news for you. Read More

• Stop Repossessions

  Have you fallen so far behind on your car payments that your loan company is threatening repossession? If so, you’re probably feeling scared and helpless. Not to mention down on yourself. Read More

• Stop Bill Collectors

  If you are behind on your bills, you probably do not feel safe from your creditors anywhere.  In the beginning, your mailbox begins to fill with collection letters from creditors and eventually debt collection agencies.  Next, your phone will begin to ring; often non-stop, and even late at night and on the weekends.  It’s only a matter of time before your employer, family members, and neighbors will start receiving calls about your delinquent payments.   Many people begin to feel like they may never recover, financially or emotionally! Read More

Don't forget we only charge a $200 retainer fee to get us started on chapter 7 or 13 bankruptcy cases!