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Bankruptcy

Apply for protection under the federal laws of bankruptcy.

 

We assist consumers file under 

Chapter 7  -  Liquidation of debts

Chapter 13 -  3 to 5 year debt repayment plan

Is bankruptcy right for you?

 

Bankruptcy provides relief to individuals who can no longer make their monthly debt payments and are overwhelmed--or will soon be overwhelmed--by their debts.  As a debtor behind on payments, you may be subject to numerous collection calls throughout the day, letters demanding payment, lawsuits, disconnection of utilities, eviction proceedings, foreclosure, and a great deal of stress.  In most cases, filing for bankruptcy puts an end to all these things.

The law of bankruptcy is rooted in the idea that a debtor should not have to live under the burden of insurmountable debt.

Therefore, federal law provides for the opportunity for debtors to eliminate a great variety of debt and get a fresh start financially.

In exchange, the creditors that the debtor owes may receive a portion of the debtor's property, but never any property of the debtor's that is protected under state and federal laws as "exempt property".   In many cases, there is no "non-exempt" property that creditors can collect.

Call us to schedule a consultation and find out how the law protects you!

 

What type of debt can no be discharged (canceled) through bankruptcy?

  • Credit Card

  • Accounts in Collection

  • Medical Debt

  • Personal Loans

  • Past Due Utility Bills

  • Business Debt

  • Deficiencies Due to repossession or foreclosure

  • Civil Judgments (with certain exceptions)

  • Past Due Lease Payments

  • Lease Agreements

  • Certain taxes

  • Other debts not protected by law.

My home is in foreclosure.  Can bankruptcy help?

The automatic stay provision of bankrutpcy immediately stops the sale of foreclosure of your property in most cases.

Call us to schedule a consultation to see if filing for bankruptcy is the right option for you.

¿Que tipo de deuda no se puede liquidar con la bancarrota?

  • Federal Tax Liens

  • Child support or maintenance

  • Debts to former spouse or children arrising out of divorce proceedings

  • Orden de corte ordenando pago por lesiones personale

  • Vehicular claims resulting from DWI collisions

  • Judgements in cases involving fraud

  • Debts to HOAs

  • Attorneys fees in child custody or child support cases

  • Fine, penalties, or restitution ordered by a court

  • Certain other debts protected under the law

 

It is important to consult with a qualified attorney to make full use of the protections that federal and state law provide and navigate the laws that will come into play in your circumstances.

Take advantage of our experience to realize your financial objectives.

Call today to schedule your consultation.