Bankruptcy may be appropriate if you are struggling with overwhelming debt, facing wage garnishments, foreclosure, or constant creditor calls. A consultation allows your financial situation to be reviewed so you can understand your options and decide what makes the most sense for you.

The most common types are Chapter 7, Chapter 13, and Chapter 11. Each serves a different purpose depending on your income, assets, and goals. The right option depends on your specific circumstances.

Chapter 7 is designed to eliminate qualifying unsecured debts, while Chapter 13 involves a structured repayment plan over time. The best choice depends on factors such as income, property, and long-term financial objectives.

Not necessarily. Many people are able to protect their home, vehicle, and other assets through available exemptions. This is one of the most important topics to review during a consultation.

Chapter 7 cases typically take a few months from filing to completion. Chapter 13 cases last longer due to the repayment plan. Timelines vary based on the details of each case.

Yes. Once a bankruptcy case is filed, most creditor actions, including collection calls, lawsuits, and wage garnishments, are required to stop under federal law.

Bankruptcy does impact credit, but many clients find it provides an opportunity to rebuild financial stability over time. For some, continuing to struggle with unpaid debt can be more damaging in the long run.

Most cases involve a brief meeting with a bankruptcy trustee rather than a traditional court appearance. Clients are guided through what to expect so there are no surprises.

Yes. Your case is handled directly by the attorney from start to finish, ensuring experienced oversight, careful preparation, and clear communication throughout the process.