Credit card debt is one of the most common factors that contribute to individuals filing for bankruptcy protection. If you are overwhelmed by your credit card bills, filing a Chapter 7 or Chapter 13 may be the solution. In a typical Chapter 7, the majority (if not all) of your credit card debt will be...Read More

Although the housing market appears to be on the rebound, there are still many homeowners that are struggling to pay their mortgage payments. If you have fallen behind on your mortgage loan and you believe that a foreclosure is in your near future, you should consider filing for bankruptcy protection under Chapter 7 or Chapter...Read More

If you are tired of being harassed by relentless debt collectors and you are wondering how filing for bankruptcy can help, the answer is a protection afforded to debtors called the “automatic stay.” As soon as you file your personal Chapter 7 or Chapter 13 petition, the stay immediately goes into effect and prohibits further...Read More

Many Americans simply have more debt than they can afford to repay. Despite what you hear, it is rarely due to irresponsibility.  No one sets out to accumulate $7,000 in credit card debt, but a temporary job loss, sudden illness or other financial emergency can quickly drain savings and force people to charge normal living expenses....Read More

Identity theft is a very real problem in our country and it is crucial that you take every precaution to protect your private information. This is true even when you are filing for debt relief. We are committed to protecting your privacy in bankruptcy. Seeking financial protection in bankruptcy When you seek financial protection in...Read More

If you are planning to file a Chapter 7 case and you have secured debts, you should be prepared to disclose to the court how you intend to handle your secured loans. In other words, you must decide whether you will surrender the asset you pledged as collateral (house, vehicle, boat, etc.) to the lender,...Read More

When you file a Chapter 13 bankruptcy case, you are committing to a payment plan that will last at least three years. If you should experience an unforeseen financial change which negatively impacts your ability to make your plan payments, you should contact us to discuss whether you are eligible to convert to a Chapter...Read More

When you are barely making ends meet and you are considering filing a personal bankruptcy, you are likely concerned with how much a Chapter 7 or Chapter 13 will cost you. We understand that it can be stressful to come up with the money to file for relief from your debt, but working with the...Read More

One of the primary benefits of filing a personal bankruptcy is the elimination of debt. In a typical filing, the debtor is granted a discharge order as soon as his or her bankruptcy case has been successfully completed. The court clerk where you filed your case mails a copy of your discharge order to all...Read More

Individuals who are struggling to make ends meet often turn to bankruptcy to take control of their finances. When you file for bankruptcy, the court requires you to list all of your assets. Many clients get concerned when they learn that they must list their wedding rings on the list of assets. However, the Bankruptcy...Read More