Bankruptcy (Chapter 7 & 13)

Your Path to a Fresh Financial Start

Financial hardship can strike anyone—often unexpectedly—due to job loss, medical emergencies, divorce, or overwhelming debt. When bills pile up, creditors won’t stop calling, and foreclosure or lawsuits loom, bankruptcy may be the most powerful legal tool to reset your finances and reclaim control over your life. At our firm, we provide trusted guidance and experienced representation for individuals and families considering Chapter 7 or Chapter 13 bankruptcy. Our goal is not only to stop the financial bleeding but to help you rebuild a stronger, more secure future.

Chapter 7 bankruptcy is often referred to as “liquidation bankruptcy,” but in most cases, clients keep all or most of their assets thanks to state and federal exemptions. This type of bankruptcy wipes out unsecured debts such as credit cards, medical bills, payday loans, and personal loans. It is designed for people with limited income who cannot afford to repay their debts. Once your petition is filed, an automatic stay goes into effect immediately, halting all collection actions—foreclosure, wage garnishments, repossessions, and even creditor harassment. In just a few months, most or all qualifying debts are legally discharged, giving you a clean financial slate.
Chapter 13 bankruptcy, on the other hand, is ideal for those who have a regular income and want to protect valuable assets like a home from foreclosure or a car from repossession. Chapter 13 allows you to reorganize your debts into a manageable repayment plan, typically spread over three to five years. This chapter is particularly helpful for catching up on mortgage arrears or back taxes while stopping collection efforts. Under court supervision, you make monthly payments to a trustee who distributes funds to creditors according to the approved plan. At the end of the term, remaining eligible debts may be discharged.

Our legal team is deeply experienced in bankruptcy law and committed to helping clients understand their options. We evaluate your full financial picture, recommend the best chapter for your situation, and guide you through the entire process—from credit counseling and document preparation to court filings and creditor meetings. Bankruptcy is not the end—it’s a legal right that offers relief, protection, and a fresh start.

With empathy, skill, and confidentiality, we’ve helped hundreds of clients eliminate debt, stop foreclosure, and regain their peace of mind. If you’re overwhelmed by debt, don’t wait for things to get worse. Schedule a consultation today and take the first step toward financial freedom with a team that truly cares.