Our Services
Bankruptcy
Bankruptcy is a legal process that can give you a financial fresh start by discharging or restructuring debt under court supervision. Our referred attorneys help you understand whether Chapter 7 or Chapter 13 is right for you.
The Automatic Stay
When you file for bankruptcy, the court issues an automatic stay — an order that requires most creditors to stop all collection activity immediately. Phone calls, letters, lawsuits, wage garnishment, foreclosure, and repossession must halt. The stay gives you breathing room while your case is pending. Our referred attorneys can explain exactly how it applies to your debts.
Chapter 7
Liquidation Bankruptcy
Discharges qualifying debts and gives you a clean slate. Eligibility depends on the federal "means test," which compares your income to your state's median for your household size.
The automatic stay goes into effect as soon as you file, stopping most collection efforts immediately while your case is processed.
Timeline
3–6 months
Keep property?
Exemptions apply
Eligibility
Means test
Debt discharge
Most unsecured
Chapter 13
Payment Plan Bankruptcy
Repay some or all debts over 3–5 years from wages — while keeping all your property. Ideal for catching up on past-due mortgage or car payments and protecting your home or vehicle.
May also allow "stripping" a second mortgage or HELOC if your home is underwater. Often the right path if you don't qualify under the Chapter 7 means test.
Timeline
3–5 years
Keep property?
Yes, all of it
Eligibility
Debt limits apply
Debt discharge
Remaining balance
Next Step
Which Option Is Right for You?
The right choice depends on your income, assets, types of debt, and goals. We are not a law firm and do not give legal advice — but our team can connect you with referred attorneys who will evaluate your situation and recommend whether Chapter 7, Chapter 13, or another option best fits your needs.