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Many people are nervous about the bankruptcy process. They think that it’s morally wrong or that it can permanently damage their credit rating.

When dealing with your own personal financial situation or that for your family, there is absolutely nothing immoral about obtaining a “fresh start”. The burden of debt off ones shoulders is a tremendous relief and filing bankruptcy can help you take control of your life and guarantee a more secure financial future.


Chapter 7 Bankruptcy gives debtors a fresh start by ridding them of most unsecured debt. Unsecured debt typically includes credit card debt, medical bills, and personal loans. After filing Chapter 7, debtors are protected from their creditors. The debt becomes discharged, which means wiped out, through operation of federal law. The Chapter 7 process can be the easiest step toward erasing debt and rebuilding credit.


Chapter 13 Bankruptcy will allow you to reorganize your debt by making monthly payments to a trustee who will in turn pay your creditors on your behalf. A typical Chapter 13 is filed when someone is facing a mortgage foreclosure and would like to save their home. Filing a Chapter 13 will allow you to repay the missed payments on your mortgage and it will force the mortgage company to reinstate your mortgage.

A Chapter 13 will also result in the discharge of unsecured debt, such as credit cards, at the end of the payment period.