Toll Free (800)-620-8055
The focus of our firm is consumer bankruptcy law (Chapter 7 liquidation & Chapter 13 reorganization). This site was created to help you decide whether bankruptcy or debt settlement is the solution to your financial problems. Learn More....
Know your options
Choosing the appropriate chapter of bankruptcy depends on your individual case. Without allowing a qualified attorney to analyze and evaluate your case before filing a bankruptcy can do more harm than good. Thus, we recommend that you meet with us to we can discuss pros and cons of bankruptcy and non-bankruptcy options before you decide which chapter is right for you. More…
Liquidation
Under the Bankruptcy Reform Act of 2005, the filing of a chapter 7 bankruptcy (liquidation) eliminates most unsecured debt such as, credit cards, medical bills, business loans, personal loans, claims for damages, and secured debts where the collateral is surrendered to the creditor. More…
Reorganization
Under current law, a chapter 13 bankruptcy (reorganization) allows the debtor to reorganize and pay back debt over a three to five year period. The filing of a chapter 13 bankruptcy eliminates the interest rate of unsecured debt and reorganizes late mortgage payments, tax debt, back child support, late car payments, and miscellaneous secured debt. More…