Chapter 7 Bankruptcy

The decision to file bankruptcy isn’t one that should be taken lightly. But for many individuals, Chapter 7 bankruptcy is a lifeline: the only way to get your life back. It’s the best way to put an end to harassing creditors, wipe out crushing debt and start again debt free.


You might want to consider filing under Chapter 7 if you are experiencing any of the following:

  • Difficulty making payments on medical bills, credit card debt or personal loans.
  • Garnishments or lawsuits.
  • Anxiety and stress due to unmanageable debt.

The law is in place to help people in these difficult situations. In fact, the idea of forgiveness of debt has its roots in the Bible: At the end of every seven years you shall grant a release of debts. Deuteronomy 15:1.

I bring up the Bible not only to show how old the concept of bankruptcy is, but to stress that filing bankruptcy is not immoral and good people can find themselves in these situations. I don’t make moral judgments and neither does the system. I want my clients to hold their heads up.

So, if you’re sure you can’t repay your debts without help, it’s best to file sooner rather than later. You’ll be able to finish the process quickly, usually within four months, and start rebuilding your credit. I’ve helped most clients retain their property, including houses and cars. The first step is making the call. I can stop collection activity immediately, so you and your family can relax.

Next Steps

I offer a complimentary initial meeting to assess your needs and plan next steps. I will guide you every step of the way while we prepare your paperwork.

As soon as the case is filed, the court will issue an injunction that stops all collections activity. This includes phone calls, emails and all other attempts to make contact. This will give you peace of mind and a breather that you will feel right away. Your wages can no longer be garnished and your home cannot be foreclosed on.

About a month later, you’ll be scheduled for a meeting during which the bankruptcy trustee and your creditors will have the opportunity to ask you questions. This is where my expertise comes in handy. I will be with you at the meeting and will make sure that you are fully prepared for whatever might happen. Check out my “About Me” section to see why I take such a close interest in your case. I’ve been there, and my passion is helping my clients achieve the best result possible.

Contact my office today to get the process started, and stop the stress.