Bankruptcy

Debt Relief Options for a Fresh Start

Overwhelming debt can affect every aspect of your life, from your financial security to your personal relationships and peace of mind. Bankruptcy is not a sign of failure -- it is a legal tool designed to give honest individuals and businesses a fresh start. Our compassionate and experienced bankruptcy attorneys will evaluate your unique financial situation, explain all available options, and guide you through the process with dignity and respect.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy, often called "liquidation bankruptcy," provides a complete discharge of most unsecured debts, including credit cards, medical bills, and personal loans. The process typically takes three to four months and allows qualifying individuals to eliminate debt and start fresh. Our attorneys will determine if you qualify through the means test, help you understand which assets are protected by exemptions, and guide you through every step of the filing process.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows individuals with regular income to reorganize their debts into a manageable three-to-five-year repayment plan. This option is particularly valuable for homeowners facing foreclosure, as it can halt foreclosure proceedings and allow you to catch up on mortgage arrears over time. Our attorneys design repayment plans that work within your budget while satisfying legal requirements and protecting your most important assets.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy provides businesses and high-income individuals with a framework to reorganize debts while continuing operations. This complex process requires sophisticated legal counsel to navigate creditor negotiations, plan confirmation, and ongoing compliance. Our business bankruptcy attorneys have the experience to guide companies through reorganization, helping preserve jobs, business relationships, and enterprise value.

Debt Negotiation

Bankruptcy is not always the best solution for every financial situation. In many cases, our attorneys can negotiate directly with creditors to reduce outstanding balances, lower interest rates, or establish affordable payment arrangements without filing for bankruptcy. We analyze your complete financial picture to determine whether debt negotiation, debt consolidation, or another alternative strategy may better serve your long-term interests.

Foreclosure Defense

If you are facing the threat of losing your home, our attorneys provide aggressive foreclosure defense strategies to protect your property. We review your mortgage documents for lender violations, negotiate loan modifications, challenge improper foreclosure procedures, and when appropriate, use bankruptcy as a tool to stop foreclosure and save your home. Time is critical in foreclosure cases, so contact us immediately if you have received a notice of default.

Understanding Your Rights

Federal law provides powerful protections for those struggling with debt. The automatic stay that takes effect upon filing bankruptcy immediately halts creditor collection efforts, wage garnishments, lawsuits, and foreclosure actions. Our attorneys ensure you understand all of your rights and options, empowering you to make the best decision for your financial future and your family.