Severe financial hardship can jeopardize your wages, vehicle, and home. Our service connects you with consumer and business bankruptcy lawyers who use federal bankruptcy protections to halt creditor actions and reset your finances.

• Chapter 7 Bankruptcy: Liquidating eligible unsecured debts such as credit cards and medical bills for qualifying low-to-moderate-income debtors.
• Chapter 13 Bankruptcy: Structuring a court-approved three-to-five-year repayment plan to catch up on delinquent mortgages and keep property.
• Chapter 11 Reorganization: Restructuring operational debt for businesses and individuals exceeding Chapter 13 statutory debt ceilings.
• Creditors and Debtors Representation: Halting wage garnishments, stopping vehicle repossessions, resolving creditor harassment, and protecting creditor claims.
• Debt Negotiation: Evaluating non-bankruptcy alternatives, debt workouts, and judgment settlements.

Federal bankruptcy rules provide an immediate automatic stay that stops debt collection calls and foreclosures upon filing.