We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Chapter 7 - Fresh Start/Liquidation
Best for low income or low asset individuals.
File a joint petition with your spouse for no additional fee.
Discharges most consumer debts.
Stops collections and lawsuits.
Most filers can keep most or all of their property without liquidation.
Some tax debt is dischargeable.
Some second mortgages can be stripped off. (extra fees apply)
Can fully or partially discharge student loans. (extra fees apply)
DOES NOT allow you to catch up missed home payments or vehicle payments.
Chapter 13 - Adjustment of Debts with Regular Income
Best for individuals or spouses with regular income.
Adjust your debt to pay less than your owe with one consolidated monthly payment.
Stops collections and lawsuits.
Allows you repay missed payments on home loans, car loans, and other collateralized loans - stops foreclosure and repossessions.
Allows you to repay non-dischargeable tax debt and child support obligations.
Protects your property from liquidation - a very safe bankruptcy.
Repayment can last 5 years at most.
Can discharge student loans and some tax debt.
Chapter 11 - Business Reorganization
Continue operating your business while reorganizing its debts.
Small businesses may have simpler proceedings under Subchapter V of the Bankruptcy Code.