We are a debt relief agency. We help people file for bankruptcy relief under the bankruptcy code. Our staff is experienced in bankruptcy law and can help advise you as to whether bankruptcy may be the right move for you.

Although in many ways bankruptcy can give a person a fresh start, it is important to remember that bankruptcy can also affect his or her credit rating and make it hard to obtain credit in the future.

Before filing a bankruptcy case, either you or your attorney should analyze your eligibility for different forms of debt relief available under the Bankruptcy Code and which form of relief is most likely to be beneficial for you.  Be sure you understand the relief you can retain and its limitations.

We offer two programs:

•  Chapter 7

In a Chapter 7, or liquidation case, the bankruptcy court appoints a trustee to examine the debtor's assets and divide them into exempt and nonexempt property.  Certain types of unsecured debt are allowed special treatment and cannot be discharged.

•  Chapter 13

In a Chapter 13 case, the debtor puts forward a plan, following the rules set forth in the bankruptcy laws, to repay all creditors over a period of time, usually from future income.  The debtor's plan is a simple document outlining to the bankruptcy court how the debtor proposes to pay current expenses while paying off all the old debt balances.  The debtor's property is protected from seizure from creditors as long as the proposed payments are made. 

Call our office and set up an appointment.  We'll show you exactly how each program works and let you make the decision.

Give us a call and we’ll do our best to work out a plan for you.