I help good people through bad financial times.

Call today to get your case evaluated in person. At your free evaluation, you will meet an experienced bankruptcy attorney and learn about your options for discharging your debts.

Unlike other law firms which pass off important tasks such as the initial client meeting and the preparation of paperwork entirely to staff, I meet with the client personally at the initial meeting and work closely with my assistant to prepare your bankruptcy.  Work with a knowledgeable bankruptcy attorney who will be with you at every step whether you file a Chapter 7 or Chapter 13 Bankruptcy.

I will guide you in your choices when facing foreclosure. Most homeowners facing foreclosure will opt to file a Chapter 13 Bankruptcy. The Bankruptcy Court will stop the foreclosure and allow you to get caught up on your house payment, provided you have the ability.

CHAPTER 7

A Chapter 7 Bankruptcy eliminates all your unsecured debt. What is unsecured debt? Generally, it is debt from credit cards, payday loans, medical bills, and court judgments. Another way of thinking of unsecured debt is that if you stop paying this type of debt that your creditor cannot come and take anything such as happens with a home or car loan. There is no collateral.

Chapter 7 is sometimes called a fresh start bankruptcy because it usually is a short three to four month process where you discharge all your debts, keep all your property and get a fresh start on life.

CHAPTER 13

Chapter 13 Bankruptcy is for reorganizing debts, some of which may be discharged or adjusted. Compare this to a Chapter 7 Bankruptcy which liquidates all your unsecured debt. Chapter 13 bankruptcy is for persons with regular income.

A Chapter 13 bankruptcy plan is a powerful tool to pay your creditors all or part of what you owe on terms favorable to you. You will even be able to keep property such as your home or car when you are behind on the payments.

A Chapter 13 bankruptcy can stop a home foreclosure or repossession of a motor vehicle. The Chapter 13 bankruptcy plan allows you to catch these payments up over a three to five year period.

You can also use a Chapter 13 bankruptcy to address debts that are not dischargeable under a Chapter 7 bankruptcy. For example, you may owe back income taxes or back child support. In many cases, the Chapter 13 bankruptcy plan allows you to pay these debts over a three to five year period and avoid your wages being garnished.