Most of our bankruptcy clients walked in convinced something had gone permanently wrong. It hadn’t. The federal Bankruptcy Code exists precisely to give honest people a structured way out — and a path forward.
Chapter 7
A Chapter 7 filing can discharge most unsecured debts — credit cards, medical bills, personal loans — when income and asset tests qualify. For many filers, the case is over in under four months.
Chapter 13
Chapter 13 lets you reorganize debt into a manageable repayment plan over three to five years, often saving a home from foreclosure or a vehicle from repossession.
What we do first
Every consultation starts with a means test, a debt review, and a conversation about what you want your life to look like in twelve months. Only then do we recommend a chapter — or whether to file at all.