There are times when bankruptcy is the only way to get back on your feet. You need a fresh start.
Chapter 7: A chapter 7 bankruptcy can help you get that fresh start by discharging most if not all of your debts. When you come in to talk with us know your monthly income and the approximate amount of your debt. You are going to need to compile a lot of financial information for us so we have a clear picture of what is going with your finances. We will be able to tell you if you qualify or not for a Chapter 7.
You will stop loosing sleeping when you know your financial issues are taken care of and debt collectors are not calling you. Did you know you can keep you car and possibly your house if you are not behind on payments. You can wipe out that credit card debt that is holding you back!
Chapter 13: If you have assets you want to try and keep then you will need to consider a Chapter 13. You get a little more time to pay back your debt by spreading it over a 3 to 5 year period and you may not have to liquidate your assets. Sometimes you will be able to lower your house payment, you can reorganize your payments, pay off a part of the debt and discharge the rest. Come in and talk with us about Chapter 13 and whether this can help you get back on your feet financially.
We can help you evaluate which is the best option for you and help you get back to a better financial situation for you and your family.