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Congress requires law firms like this one to make the following disclosure:  “We are a debt relief agency.  We help people file bankruptcy relief under the Bankruptcy Code.”  “Relief” is a word featured twice in that short statement.  This firm proudly offers exactly that!

If you are seeking relief from foreclosure, repossession, eviction, debt collection, wage garnishment, creditor harassment, a court judgment, or you just can’t pay bills as they come due, the Bankruptcy Code offers relief – an opportunity for you to keep your possessions, and get a fresh start.

Many people who have financial hardships can trace their misfortunes to circumstances beyond their control.  These are the “honest but unfortunate” individuals the Bankruptcy Code exists to serve.  The root of these hardships is often a medical crisis, unemployment, or divorce.  Often, one of these situations can trigger one – or both – of the other two. 

Sometimes people have made bad spending and purchasing choices in the past.  Bankruptcy offers most a second chance when someone has a sincere desire to change future spending habits. 

If you are dealing with financial hardship, I look forward to hearing from you.  There is never a charge for a first consultation.  

If you are curious about what is involved in a consultation and the process of preparing and filing a bankruptcy case, you can read more here.  Another section lists some important documents and questions to consider, and how much it will cost.

If you decide that bankruptcy relief is your best option, you will also need to decide which chapter of the Bankruptcy Code to file under. The most common types of consumer bankruptcy cases are Chapter 7 “liquidation” and Chapter 13 “reorganization.” 

Each Chapter is discussed below, with a comparison of the advantages and disadvantages, the process of the case from beginning to end, and the costs and fees.  A Glossary is available to explain any unfamiliar terms. 

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