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Bankruptcy

Need a fresh start?

No one wants to file for bankruptcy, but life does not always work out as planned. Medical debt, job loss, divorce, credit card debt, and other situations can make it so that you can’t pay your bills. Bankruptcy may be the best option.

Are you worried about:

• foreclosure?
• never ending collection calls?
• garnishment of wages?
• inability to pay bills?

We can help.

We offer a free consultation to review your financial situation, your goals, and offer solutions. Discussing your options early can help us better protect you and those you love.

There are many types of bankruptcies. Chapter 7 provides for debt forgiveness. Chapter 13 provides for a repayment plan based on your individual needs. Chapter 11 is primarily used for restructuring your business. There are other types of bankruptcies, but the three of these are the most common.

Our Chapter 7 bankruptcy package provides you with the pre-filing interview, filing of initial forms, attendance at creditor hearing, and discharge. The process takes approximately 3 to 5 months. Your debts are forgiven with no repayment.

We offer Chapter 11 and Chapter 13 bankruptcy services as well. Chapter 13 will allow you to keep your home while we work with creditors to find a solution. Chapter 11 will allow you to adapt your business to changing economic conditions. We can discuss your options based on the complexity of your situation.

With our years of experience, education, and understanding of our community, Tom and his team are able to provide quality and efficient service while making this process as easy as possible for you.

Resources

• Bankruptcy Basics
• Approved Credit Counseling Agencies