Bankruptcy and Debt Relief
Take control before creditors define your options.
Debt pressure accelerates through collection calls, lawsuits, garnishment, and foreclosure. We analyze Chapter 7, Chapter 13, and other available options so clients can act before creditors narrow the choices.
Chapter 7
Determine whether Chapter 7 can eliminate qualifying debt while accounting for income, assets, exemptions, and eligibility.
Chapter 7Chapter 13
Use Chapter 13 to evaluate a court-supervised repayment strategy for arrears, secured debt, foreclosure pressure, and other obligations.
Chapter 13Creditor Pressure
Respond to collection calls, lawsuits, letters, garnishment, and other creditor action with a plan tied to the urgency of the threat.
Creditor PressureForeclosure Concerns
Address mortgage arrears, foreclosure deadlines, pending litigation, and the bankruptcy options that may affect the home.
Foreclosure ConcernsWage Garnishment
Measure the impact on take-home pay and identify legal options for stopping or addressing a wage garnishment.
Wage GarnishmentPrepare for Consultation
Bring income, debt, asset, lawsuit, garnishment, and foreclosure records so the first conversation can focus on realistic options.
Bankruptcy Checklist