We specialize in Chapter 7 and Chapter 13 bankruptcy cases. Chapter 7 is the most common type of bankruptcy and results in the discharge of most, if not all, of your unsecured debts. Under a Chapter 13 bankruptcy, a repayment plan is devised based on your regular income. There are pros and cons to each approach, and we’ll help you determine which is best for your situation.

No. Exemptions to bankruptcy laws can protect your home, vehicle, household goods and furnishings, retirement accounts, life insurance policy cash values, wages and personal injury claims. If you hold a loan or mortgage on a vehicle or property, you must keep making payments if you wish to keep it, and you must inform the court of all debts and property when you file.

In the near-term following a bankruptcy filing, it will be challenging to obtain credit, and it will likely carry high rates and fees. Gradually, however, if you treat bankruptcy as a fresh start and stick to a plan that includes regular savings and paying bills on time, you can rebuild a credit profile that leads to better interest rates and even qualify to buy a car or house.

Every bankruptcy filing results in an automatic stay—a court order that immediately prohibits creditors and collectors from contacting you. No more calls, letters, emails or lawsuits. In short, as you work to get your finances back in order, you’ll experience no interference from creditors and collectors.