People are often hesitant to file bankruptcy when faced with insurmountable debt. It is important to understand that many of the negatives you may have heard about bankruptcy are actually myths. Bankruptcy was created to help people who cannot realistically overcome their debts on their own. We will help you get the relief bankruptcy was designed to provide.
Every case and every client are different. That is why our first step will be to analyze your situation. We will look at your income. We will look at your debts. Then we will suggest a legal strategy that makes sense for you. That strategy may involve filing for bankruptcy under Chapter 7 or Chapter 13.
Both Chapter 7 and Chapter 13 can effectively:
- Stop creditor phone calls
- Stop foreclosure
- Stop repossession
- Stop wage garnishment
Consumer bankruptcy can help you overcome medical bill debt or credit card debt, as well as other types of debt. Essentially, any kind of unsecured debt — debt not secured by some form of collateral — can be eliminated through bankruptcy. Other types of debt, such as student loan debt and tax debt, can be more challenging to deal with. We encourage you to discuss your case with our experienced lawyers no matter what your debt load looks like.