Should I File Bankruptcy?

Is your financial situation desperate? The Bankruptcy Code may be available to provide you with the “fresh start” you need.

We see people in our offices every day—good, hard-working people—who have fallen on tough times for one reason or another. Maybe a job loss or an illness has reduced your income. Or you have been through a difficult divorce, and you have additional debt as a result. Or maybe you have lost a loved one. Any one of these life-changing events and many others can leave you behind on your credit cards, with large medical bills, a wage garnishment, or even facing foreclosure of the family home.

What options are there?

There are two Chapters under the Bankruptcy Code available to individuals with personal debt. Chapter 7 Bankruptcy may allow you to discharge, or wipe-out, most if not all debt. Chapter 13 Bankruptcy, often called the Wage-Earner’s Plan, may allow you to pay back a percentage of your debt while paying past due taxes or saving your home from foreclosure, all through a court-supervised repayment plan.

Bankruptcy is not the best fit for everyone, however, but that is why it is even more important to speak with a knowledgeable and reputable attorney to review your options. You may be surprised to find that the attorney you meet with may recommend options other than bankruptcy. Our goal is to assist you in reviewing all possible options and the consequences so that you can make an informed decision.

To determine whether Bankruptcy would be a good option for you and your family, speak with a knowledgeable and experienced lawyer, as there are many variables to consider. He or she can best advise you whether you are eligible for Chapter 7 or Chapter 13 and if Bankruptcy is the solution to your financial problems. It very well may be the opportunity you are looking for to obtain that “fresh start” for your financial future.

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