The United States Bankruptcy Code provides debt relief for those who in good faith need relief. The Code provides immediate relief from debt collections, lawsuits, IRS levies, home and business foreclosures, repossessions and garnishments. Exemptions are available to protect some or all of your property. The Code is divided into chapters with each chapter setting forth the rules of a particular type of bankruptcy. Under Chapter 7 bankruptcy, you can wipe out debts for a fresh start. Chapter 13 Bankruptcy allows you to consolidate your debts into one low monthly payment. Chapter 11 Bankruptcy allows businesses to reorganize their debts. Chapter 12 Bankruptcy allows farmers to consolidate their debts without losing their farms.

Chapter 7 or Chapter 13 are the most common bankruptcy chapters filed by consumers. They have their differences, click on the links to the right to learn more about each type.

Which Chapter is best for me?

There are numerous factors that you must consider in deciding which chapter is best for your case. One of the many services provided by our office is to review your financial information and help you decide which chapter, if any, would best resolve your financial problems.