Bankruptcy
Our clients can save their homes and businesses filing for bankruptcy by discarding debt or making a plan to repay debts. All bankruptcy cases are handled in federal courts under rules outlined in the U.S. Bankruptcy Code. There are different types of bankruptcies, which are usually referred to by their chapter in the U.S. Bankruptcy Code. Individuals may file Chapter 7 or Chapter 13 bankruptcy, depending on the specifics of their situation. Businesses may file bankruptcy under Chapter 7 to liquidate or Chapter 11 to reorganize. Chapter 12 provides debt relief to family farmers and fishermen.
Bankruptcy has long-term financial and legal consequences. Don't let a financial crisis ruin your life. We take pride in our bankruptcy preparation experience, and easy-going non-judgmental approach.
If you are experiencing several of the following, then CONTACT US for a confidential consultation to see if filing for bankruptcy is a viable option for you and your family.
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Your wages have been garnished or your bank account has been attached
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Most of your debts are unsecured debts like credit card bills, hospital or doctor’s bills, etc.
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Your total debt, not including your car or house loan, is more than you could pay, even over five or more years
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Collection agencies are calling you at home and/or at work
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Your payments are more than 30 days behind on more than one bill
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There are lawsuits pending against you
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You have high medical bills not covered by insurance
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You owe income taxes that you are currently unable to pay
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You have few assets
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You have little or no savings
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You have had property repossessed (such as a vehicle)
HABLAMOS ESPAÑOL
To find out more about bankruptcy, use the link below to visit the Consumer Bankruptcy Center provided by the American Bankruptcy Institutes (ABI) for consumers just like you.