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Over the last fifteen years, the emphasis of my law practice has been helping families cope with debt. I estimate (conservatively) that I have successfully helped over two thousand families and individuals.
Garnishments and lawsuits, including eviction, can often be dealt with using Chapter 7. Usually, you can keep your home and car(s). If you are interested in reading something about bankruptcy before you decide call me, please take a moment and read my Bankruptcy Guide.
People who are facing serious debt issues are some of the most stressed-out people that I see in my practice. It is my job to make your experience as stress-free as possible. You will not hear lectures from me about getting in over your head. Most of my clients have gotten into financial trouble because of some OTHER trauma, be it a divorce, loss of a job, serious medical problems or strangely enough, helping someone ELSE out of their financial problems.
At your first meeting with me, we will sit down, together, and look at your entire situation. I will tell you all your options: perhaps the solution will be a bankruptcy but maybe it will be something less. If bankruptcy is the answer and you decide to hire me, you can count on me to work quickly and be as accessible as possible. If you prefer, you can send email to email@example.com.
A Chapter 7 bankruptcy is a total liquidation of certain types of debt. In other words, it wipes out certain types of debt completely: you are no longer legally obligated to pay that debt. What debts will be legally "erased"? Unsecured debt of most sorts is completely liquidated. If you have credit card debt on a Visa, Mastercard, Discover or American Express (to name a few), you will not be required to pay the debt. If you borrowed money from family or friends, you will not legally be required to repay that debt (although to keep the peace in the family, you may be MORALLY required to pay the debt).