Financial Options:

Our practice is limited exclusively to debt counseling, debt relief, and bankruptcy law. The initial consultation with clients is at no charge, as we encourage people in financial distress to seek out their options. Every client has different needs, but our services include:

  • Relief from consumer debts
  • Protecting your assets
  • Putting a stop to foreclosures and repossessions
  • Reinstatement of your Driver's License
  • Relief from IRS and other Tax Debt
  • Relief from garnishments and creditor harassment

Bankruptcy Services

Chapter 7 - This is a "straight" bankruptcy where you obtain a "discharge" of most of your debts; and you do not make any plan payments to the bankruptcy court. The amount of property you are allowed to keep is determined by the law of the State where you live and applicable federal laws.

 Chapter 13  - You can usually keep all of your property, but you must agree to pay part of your income to your creditors. The court must approve your repayment plan and your budget. A court trustee is appointed and will collect the payments from you, pay your creditors, and make sure you live up to the terms of your repayment plan. If your income is low, your monthly payments will be low. In a Chapter 13, you do not necessarily have to pay back all of your debts.

Chapter 12 - Like chapter 13, but it is only for family farmers and family fishermen.

Chapter 11 -This is used mostly by businesses. In chapter 11, you may continue to operate your business, but your creditors and the court must approve a plan to repay your debts. There is no trustee unless the judge decides that one is necessary; if a trustee is appointed, the trustee takes control of your business and property.

If you have recently filed bankruptcy under chapter 7, or chapter13, you may be able to refile another bankruptcy sooner than you think.



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