Our experienced and compassionate staff will help you with any of your Chapter 7, 11, and 13 bankruptcy needs.  We know that this is a difficult time in your life, and we are here to help.  We know your rights, and we understand the law.  Our firm will help you through this difficult time, so please don't hesitate to call.

 

Chapter 7

 

Chapter 7 bankruptcy is a filing for those who are seeking a fresh start and would like to eliminate as many debts as possible. Chapter 7 allows a debtor to escape the burden of credit cards, medical bills, mortgage arrears, homeowner association fees, vehicle repossession and other debts they may have.  Chapter 7 allows our clients to push the reset button on their financial lives, and provides them with a second chance.

 

Chapter 11

 

Chapter 11 bankruptcy is a tool for big and small businesses alike. Chapter 11 bankruptcy allows reorganization of debt, often needed for businesses that have suffered down years or higher startup costs than originally estimated.  Businesses continue to operate in chapter 11 even when they are behind on its obligations, creating a specific time frame to catch up on debts, while still providing income to the owner(s).

 

Chapter 13

 

Chapter 13 bankruptcy is an essential tool to help those who are seeking to keep their homes, but are behind on their mortgage.  Chapter 13 is not for debt elimination, but rather debt restructuring, allowing our clients to create new payment plans on their mortgages, vehicles and more.  Chapter 13 is an essential tool used to stop the foreclosure process, and help individuals seek loan modifications to create more friendly mortgage terms.