If you are struggling with overwhelming debt, we can help. One option is filing a Chapter 7 bankruptcy, which is the most common kind of personal bankruptcy. A Chapter 7 bankruptcy may discharge credit card debts, medical debts, personal loans, business debts, among other unsecured debts. Since Chapter 7 bankruptcy has specific requirements, an income analysis is necessary to determine whether your average monthly income passes the means test to qualify. [read more]

A Chapter 13 bankruptcy is a legal tool that allows debtors to create and follow a realistic three- to five-year debt repayment plan. The repayment amount will depend on how much you earn, the amount and types of debt you owe, and how much property you own. A Chapter 13 bankruptcy can help you get some debt discharged and allows you to keep your property. The automatic stay prevents creditors from harassing you about mortgage debt, credit card debt, auto loan debt, and medical bills during the period of the bankruptcy. [read more]