Bankruptcy law is complicated, but with the proper guidance, you can rid yourself of those out of control credit card balances, stop the foreclosure on your home, and get a fresh start.

You need to know how Chapter 7 and Chapter 13 operate for individuals, and how Chapter 7 and Chapter 11 operate for businesses. While these subjects require individualized legal advice, you should be aware of the basics:

Chapter 7 allows you to keep exempt property, such as your home, your automobiles, your retirement accounts, and likely all of your property, and do away with your credit card debts, lawsuits, and other amounts owed. Your credit might be affected in the short term, but soon after filing your credit will begin to improve, because you will have dealt with the real cause of your problems - the inability to pay your debts. We have had clients whose credit actually improved within months of filing bankruptcy because their debt to income ratios and delinquent accounts were wiped clean.

Chapter 13 allows you to keep all of your property and begin paying off your creditors. This is most useful for those who have high incomes or property they wish to keep.

If you know you are ready to begin the bankruptcy process, begin working on a list of your assets and debts by clicking on the link to the right of the page for a case evaluation and let us know about your situation. We will send you an intake form. Often, we can begin a bankruptcy filing within 2 days of your first communication.

We handle everything associated with your filing, including helping you with the pre-filing class registration, preparing you for all hearings, and getting all of your documents together. Our consultation with you is FREE. We are happy to either complete the process for you without explaining all of the details, or to walk you through the steps so you understand each nuance. Contact us today to discuss a fresh start.