Bankruptcy and debt relief
A legal fresh start.
When the bills have gotten ahead of you, bankruptcy is a legal tool built for exactly that. It is not a moral failing, and the right plan can protect what matters most.
What bankruptcy can do
Filing for bankruptcy triggers the automatic stay, which generally stops most collection calls, lawsuits, garnishments, and foreclosure actions while your case is pending.
Depending on your situation, bankruptcy can wipe out qualifying debts entirely or give you a court-approved plan to catch up over time.
The two common paths
- Chapter 7 usually clears qualifying unsecured debts, such as credit cards and medical bills, in a matter of months.
- Chapter 13 sets up a repayment plan, often over three to five years, and can help you keep a home or vehicle while you catch up.
Which one fits depends on your income, what you own, and what you want to protect. That is what the free consultation is for.
Before you call, gather a list of your debts, recent pay stubs, and any lawsuit or garnishment papers you have received.
Consultations are free and confidential. Call for immediate, local help.