Frequently Asked Questions

Getting started is simple:

1. Contact us to schedule a consultation.
2. Share your case details with our team.
3. We’ll guide you through the process and handle all necessary paperwork.

Let us help you take control of your financial future today.

Yes, filing for bankruptcy can halt foreclosure and repossession temporarily through an automatic stay. This gives you time to work out a solution, such as a repayment plan through Chapter 13 bankruptcy.

The cost of filing depends on the type of bankruptcy and your specific case. We offer transparent pricing and competitive rates for our services. Contact us for a consultation to discuss costs tailored to your needs.

Bankruptcy will impact your credit score, but it also provides an opportunity to rebuild your finances. Many clients find that their credit improves over time as they eliminate debt and establish better financial habits.

• Chapter 7: Typically takes 4-6 months to complete.
• Chapter 13: Involves a repayment plan lasting 3-5 years.
  The exact timeline depends on the specifics of your case.

In many cases, you can keep your home, car, and other essential assets. This depends on your situation and the type of bankruptcy you file. Chapter 13 bankruptcy, for example, is specifically designed to help you retain your property while managing debts.

Not all debts can be discharged in bankruptcy. For example, most student loans, child support, alimony, and certain tax debts are not eligible for discharge. However, bankruptcy can eliminate many types of unsecured debts, giving you relief from financial pressure.

The most common types of bankruptcy are:

• Chapter 7: Discharges unsecured debts like credit cards and medical bills.
• Chapter 13: Restructures debts into manageable monthly payments over 3-5 years.
• Chapter 11: Allows businesses to reorganize their debts while continuing operations.

You may consider bankruptcy if:

• You’re unable to pay your debts.
• Creditors are harassing you or pursuing legal action.
• Your wages are being garnished.
• You’re facing foreclosure or repossession.
  A consultation with our team can help you determine if bankruptcy is the right option for your financial situation.

Bankruptcy is a legal process that allows individuals or businesses overwhelmed by debt to eliminate or restructure their obligations under the protection of federal bankruptcy laws. It’s designed to provide a fresh financial start while ensuring fair treatment for creditors.