Bankruptcy Lawyers (Chapter 7 & Chapter 13)
If your home is up for foreclosure or you cannot get your debt under control, our bankruptcy attorney can advise you regarding the implications and protections a bankruptcy may provide. Many local families faced with an unforeseen medical crisis, natural disaster or lost job have found bankruptcy to be a viable option to help them stay in their homes and provide for their families.
Beware: Some businesses market so-called â€śconsumer debt counseling,â€ť but are nothing more than money-making schemes. They may take your money and your trust, but never provide real solutions to the underlying problems you face.
Chapter 7 bankruptcy allows you to eliminate a significant portion of your debt by selling assets. Many are able to keep their home, car and other necessary items and also to obtain credit.
Chapter 13 bankruptcy allows you to work with your attorney to create a 3-5 year payment plan to pay off a reduced amount of your total debt. Your payments are made from your disposable income (the money left over after all necessary expenses are paid).
We can sit down with you to explain both options and conduct a thorough review to determine which option will best protect you.
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