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  If you are being overwhelmed by debt, we can help. Don't let those creditors continue to harrass you. We can help alleviate your debt by filing either a Chapter 7 or a Chapter 13 bankrupcty.

  Due to the current state of the economy, foreclosures are at a record high. We can stop foreclosures and give you the ability to save your house. Also, we can stop car repossessions and your paycheck being garnished. Let us help you to live a life that is both stress and debt free.

  We offer affordable pricing and payment plans that allow you to continue on with your life without feeling overwhelmed with debt. We are here to help you.

What the filing of Bankruptcy can do :

• Stop wage garnishments. (In some cases, retrieve the garnished money.)
• Stop IRS interceptions of tax refunds.
• Stop vehicle repossessions.
• Stop house foreclosures.
• Stay legal proceedings against individuals in State court proceedings.
• Clear credit by offering a clean slate.
• Eliminate medical bills and credit card debt.
• Stop bank accounts and other assets from being frozen or levied by creditors.
• Either eliminate debt or offer an affordable payment option through a Chapter 13.
• Develop budgets to allow individuals to get back on track financially.
• Stop eviction proceedings from rental units.

Chapter 7 Bankruptcy

  You may have heard Chapter 7 bankruptcy referred to as liquidation. It is often called that because a bankruptcy trustee can liquidate (convert to cash) your non-exempt assets to cover part of the outstanding bills you owe. However, the term liquidation is not quite accurate, since most people who file for Chapter 7 bankruptcy do not have any non-exempt assets, and thus there is no actual liquidation.

Chapter 13 Bankruptcy

  For those who have been struck by short-term financial hardships like illness, job loss or significant unexpected expenses, Chapter 13 bankruptcy can be an effective way to re-establish financial stability. For those who have been knocked off balance by a crisis, but have regular income with which to make monthly payments, Chapter 13 bankruptcy can provide a powerful safety net.

FAQs:

Can I file for bankruptcy myself?

Although you can file yourself, hiring a bankruptcy attorney is a better option. Filing for bankruptcy is complicated and often confusing. By hiring a professional, you ensure that the correct paperwork is filed and that the process will go smoothly.

Will I have to sell my house if I file for bankruptcy?

Under some chapters of bankruptcy, you must sell your assets, while other chapters permit you to keep them. Whether you can keep your home depends on the amount of equity you have in the home and the chapter you qualify under. A bankruptcy attorney can advise you about your options and rights.

Does bankruptcy discharge student loans?

In most cases, student loans cannot be discharged in bankruptcy. A bankruptcy judge can discharge them in extreme hardship situations, but this is rare and requires additional court filings.

Will my spouse be affected by my bankruptcy?

No. If your spouse didn't sign any agreements that would include him or her in the bankrupt accounts, your spouse will not be affected by your bankruptcy. There are exceptions to this rule in different states, so consult a bankruptcy lawyer for specifics.

What debts does bankruptcy NOT erase?

There are a number of debts that aren't erased by bankruptcy. For starters, those debts you fail to list on your bankruptcy papers are not erased. Other debts not erased include student loans, alimony, child support, and tax debts.