Practice Areas

Ms. Johnson is Excellent at what she does! Professionalism is top notch! She is Very knowledgeable, thorough and makes the what could be considered a difficult situation, less stressful! We are very appreciative of all her hard work! Thank you, Ms. Johnson

Our Specialities

  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Foreclosure
Contract

Chapter 7 Bankruptcy

Chapter 7 is what many people think of when they hear the word "bankruptcy". It wipes out (discharges) most debts. In general, credit card debt, medical bills, debts owed on repossessed items, and judgments from lawsuits can be discharged in a Chapter 7 bankruptcy. There are some debts that generally cannot be wiped out in bankruptcy. These include: taxes, student loans, and child support.

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Chapter 13 Bankruptcy

Chapter 13 bankruptcy is often referred to as "Debtor's Court". It is essentially a debt consolidation plan. Basically, all of your debt is combined and you repay it over a period of up to five years. Your unsecured creditors (like credit cards and medical bills) will not receive any more interest, finance charges, or late fees while they are being repaid through the Chapter 13. This enables you to climb out of the debt.

Filing a Chapter 13 will stop foreclosures and repossessions as long as they have not already occurred.

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Stopping Foreclosure

If you are facing a foreclosure, a Chapter 13 Debtor's Court will be able to stop it as long as you file your case before the foreclosure date.

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Committed to helping our clients succeed

Which One Is Right for Me?

The type of bankruptcy that is best for you depends on your situation.

If you are overwhelmed with debt and need to have a fresh start, then a Chapter 7 may be the best option.

If, however, you are trying to save an asset like your house or your car, and/or you need to restructure your debt, then a Chapter 13 may be your best option.

You do not need to know which type of bankruptcy you need to file. When you come in for your free consultation, we will look at your situation and tell you what your best option is. (And if you don't need to file, we will tell you that, too!)

Is bankruptcy or debt consolidation right for you?

We offer a free confidential consultation!

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