Chapter 7 Bankruptcy allows you to wipe away a large portion of your debt to get a brand new start. It is an ideal choice for low to middle income people who have too much credit card debt, medical bills, payday loans, past due utility bills, debts for cars that have been repossessed, etc.
A Chapter 13 is a reorganization bankruptcy. Under this Chapter, you propose a plan in which you propose to repay a percentage of your debt to your creditors with the help and protections of the bankruptcy court. Chapter 13 can help you avoid foreclosures and repossessions.
If you are experiencing problems with your credit report, our attorneys can help you repair your credit and increase your credit score. We offer a customizable credit repair program because not everyone needs the same level of assistance. Our credit repair programs have been developed and tailored to produce results quickly.
If your creditors are harassing you and threatening to sue you, our attorneys can help you negotiate an affordable settlement of your debts. If you are being sued, we can help you answer the lawsuit and avoid a default judgment and garnishment of your wages, bank account, or tax refunds.