Individual Bankruptcy

Chapter 7
Filing a Chapter 7 Bankruptcy allows an individual to discharge most unsecured debt obligations in a fairly short period of time. The Chapter 7 process provides for the liquidation of unexempt assets for the benefit of creditors. However, most individual cases are “no-asset” cases, and the sale of the debtor’s property is not required. Learn whether you are eligible for Chapter 7 by contacting us today.

Chapter 13
Chapter 13 provides debtors with greater flexibility in the discharging debt obligations through the reorganization process. Debtors can use Chapter 13 to come current on past due secured obligations, including mortgages. Chapter 13 is also a great option for individuals, who have disposable income and/or a lot of unexempt assets and would not pass the Chapter 7 Means Test. Contact our office today to learn whether Chapter 13 is the best option for you.

Tax Debt
Bankruptcy can be used as a tool to discharge certain income tax obligations. Contact our office to learn whether you can eliminate your tax debts through bankruptcy.