Bankruptcy Is Meant To Work For You, Not Against You!

Everyone’s financial situation is unique, but if you are struggling like so many others, take a deep breath and remember that you have options.

We’ve helped thousands of people like you eliminate or reduce their debt, save their homes, stop abusive creditors, and move on with their lives.

How Bankruptcy May Help You

  • Eliminate Credit Card Bills
  • Eliminate Medical Bills
  • Halt The Foreclosure Process
  • Stop Wage Garnishment
  • Stop Creditor Harassment

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Know Your Bankruptcy Options

Chapter 7

Liquidation Of All Assets

The fastest, simplest and most complete debt relief available under the U.S. Bankruptcy Code is the debt discharge received under Chapter 7. However, it is not easy to file a Chapter 7 bankruptcy petition on one’s own without assistance from a qualified attorney.

Chapter 13

Repayment Plan Of Debt Owed

Chapter 13 can also provide immediate relief from creditor pressure while paying back a portion of their debts. In some situations, filing Chapter 13 bankruptcy may still be a better choice than Chapter 7 bankruptcy. It’s also useful for paying off past-due arrearages on mortgage.

Chapter 7 vs Chapter 13

Know The Difference

Chapter 7 and Chapter 13 bankruptcy each has relative advantages and disadvantages. Are you thinking about declaring bankruptcy? Do you have questions about Chapter 7 versus Chapter 13 bankruptcy? You do not have to make these difficult decisions alone.

Common Bankruptcy FAQs

How Will Bankruptcy Affect My Credit?

Credit scores often go up after bankruptcy. By the time a person reaches the point of filing for bankruptcy, the credit score has already been severely damaged. As such, credit scores actually rise about 90 points in the one year following bankruptcy. You will still likely get credit card offers almost immediately after the bankruptcy is discharged and closed which is normally approximately 90 days after filing.

How Long Will It Take For A Bankruptcy To Disappear From My Credit Reports?

Your credit scores will begin to improve within the first year. However, the bankruptcy filing could appear as a blemish for 7-10 years. This does not mean you will be unable to get credit for 7-10 years. You will get credit cards offers almost immediately and may even buy a home within two years.

How Long Will It Take For Me To Buy A Home And Get A Mortgage After Filing Bankruptcy?

You are welcome to apply for a home mortgage one day after bankruptcy. However, typically it takes about two years after the bankruptcy before a mortgage lender will seriously consider you for a home mortgage.

What Is The Median Income?

The median income is the dollar amount that a bankruptcy filer’s gross income must be less than in order to qualify for the Chapter 7 wipeout of debt. This dollar amount changes depending on what state you live in and how many people live in your house. We will be happy to review these numbers with you during your free consultation.

If I Pay The Attorney Fees In A Payment Plan, Will I Get A Discount For Paying It Off Early?

No. The interest is based on a flat interest fee.