Bankruptcy & Reorganization of Debt

In the worst economy since "The Great Depression" people are really suffering. We don't make judgments, we offer solutions. We can help!

First, a bankruptcy filing does not mean that you lose everything. In fact, most client who file don't lose anything. We meet with you so that you have a firm understanding of the impact a type of bankruptcy will have on you.

Bankruptcy will stop creditor calls and abusive tactics! We will explain how this works.

I want to keep my house or car! This can often be done, but it requires an understanding of your income, expenses, assets, liabilities, and some other factors. We will listen to you and try to help you meet your goals. Often we will have suggestions that can help, whether you file or not. Also, if you are behind on payments, this may effect the type of bankruptcy we would recommend.

Why do some people have to pay money back every month, and others do not? This will depend on the type of bankruptcy relief you can file. This was simple a few years ago, but Congress changed things and now there is a "means test". It's rather complex, but we will try to give you a preliminary indication. A Chapter 13 ("Reorganization") requires a monthly payment of your "disposable income" into an approved plan. A Chapter 7 ("Fresh Start") does not.

We will also explain what a "discharge" of debt means in your situation! At the end of most bankruptcies, a discharge is what you seek, and can eliminate your personal liability to pay back unsecured debt.

We will spend enough time with you to understand your situation, needs and concerns. We will work with you to help start turning things around.

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