Do you have creditors calling you constantly about your credit card debt and unsecured loans? Are you overwhelmed by your bills? If you want relief from the constant harassment and stress, you should consider filing for Chapter 7 consumer bankruptcy protection. You can have a fresh start in 6 short months.

Are creditors trying to foreclose your house? Do not let them take the house you have worked so hard to maintain. Filing for Chapter 13 can give you a payment plan so you can pay off your creditors and keep your property. Contact our bankruptcy attorneys to find out the specific differences between a Chapter 7 bankruptcy and a Chapter 13 bankruptcy.

Chapter 7 Information

Both individuals and small businesses can find themselves with more debts than they can pay when due. In such cases, filing bankruptcy may provide a solution to what seems like an insurmountable problem. Bankruptcy law provides two basic forms of relief: (1) liquidation; and (2) rehabilitation, also known as reorganization. Most bankruptcies filed in the United States involve liquidation, which is governed by Chapter 7 of the Bankruptcy Code. A skillful attorney can advise individuals and businesses alike on whether Chapter 7 may be the right choice for them. The bankruptcy lawyer's goals are to help debtors make a fresh start and ensure that creditors get paid.

Because bankruptcy law is primarily federal in origin, it varies little from state to state. The individual states do, however, retain jurisdiction over certain debtor-creditor issues that are not addressed by and do not conflict with federal bankruptcy law, such as which property remains exempt from creditors' claims.

Chapter 13 Information

The bills are stacking up, demanding calls and letters are arriving with increasing frequency, and despite the best of efforts, the overdue debts just cannot be paid when due. In such cases, filing bankruptcy under Chapter 13 of the Bankruptcy Code may provide a solution to what seems like an insurmountable problem. If you are facing serious financial challenges, it is very important that you seek the counsel of an experienced bankruptcy attorney to determine whether filing under Chapter 13 may be right for you. Once considered a last resort, bankruptcy has evolved into an accepted method of resolving serious financial problems.

Bankruptcy law provides two basic forms of relief: (1) liquidation; and (2) rehabilitation, also known as reorganization. Most bankruptcies filed in the United States involve liquidation, which is governed by Chapter 7 of the Bankruptcy Code. A reorganization or rehabilitation bankruptcy under Chapter 11 or 13 of the Bankruptcy Code is, however, the option often preferred by the courts, and creditors may be provided with a better opportunity to recoup what they are owed under these methods.