Chapter 7 Bankruptcy

If you expect it will take you longer than a year to repay your unsecured debts such as credit cards, personal loans, medical bills, etc. chapter 7 may be a good option to discharge (eliminate) them. Are you tired of creditors harassing you?  From the moment you file your case, creditors are not allowed to communicate with you in any way (by phone, email, text, mail, etc.), and with most creditors, this restriction continues forever after you complete your case and receive a discharge. Additional benefits of filing chapter 7 are stopping repossessions and garnishments and in certain circumstances, the ability to discharge taxes and reduce car loan balances and interest rates. Call our office now to schedule a free attorney consultation, and we will help you figure out whether filing bankruptcy is a good option for you. 

Chapter 13 Bankruptcy

Are you behind on your mortgage or car payments, facing foreclosure, owe taxes or domestic support obligations (child support and/or alimony)? Chapter 13 bankruptcy is a three-to-five-year monthly repayment plan that can help most individuals cure (repay in full) these obligations, stop foreclosures, stop repossessions and garnishments, and eliminate certain debts (mainly unsecured debts such as credit cards, personal loans, and medical bills).  Many high-income earners who don’t qualify for chapter 7 can use it to eliminate a substantial portion of their unsecured debts. And similar to chapter 7, you are protected from your creditors from the moment you file your case and while the case is active. 

Debt Settlement

Debt settlement may be a good option for individuals with a small number of creditors who don’t qualify for chapter 7, or can’t get a good deal in chapter 13, or their total unsecured debt amount is too low to justify filing bankruptcy.  We aggressively negotiate balance reductions with creditors under lump-sum payment or a new repayment plan. 

Foreclosure Defense

Foreclosure Defense is the legal fight you engage against mortgage companies and homeowner associations seeking to sell your property to satisfy their security interest in your property (get paid). Your goal should be to stall or stop the foreclosure to cure the arrears (back payments) and save the property or sell it if you’re unable to save it.