Expertise in Bankruptcy Law for Debtors

Assisting clients with Chapter 7 filings, which allow individuals to eliminate most unsecured debts, such as credit card balances and medical bills, through liquidation of non-exempt assets.

Helping clients establish a repayment plan under Chapter 13, which enables individuals with regular income to pay off a portion of their debts over a 3- to 5-year period while keeping assets that might otherwise be liquidated in Chapter 7.

Advising clients on options to restructure debts, negotiate with creditors, and avoid foreclosure or repossession of property.

Offering strategies and legal protection for homeowners facing foreclosure, including the potential to enter into bankruptcy to prevent foreclosure or reduce mortgage payments.

Helping clients navigate the process of debt discharge, where certain debts are legally forgiven through bankruptcy, allowing individuals to regain financial stability.

Advising on what assets can be protected in bankruptcy filings and helping to minimize the loss of property while resolving outstanding debts.

Working with clients to stop creditor harassment, including threatening phone calls and lawsuits, by using the automatic stay provision in bankruptcy filings, which temporarily halts collection efforts.

Providing assistance in cases involving tax debts and helping clients understand when and how tax liabilities can be discharged or restructured under bankruptcy law.

Exploring alternative debt relief options for clients who may not want to file for bankruptcy, such as debt settlement or negotiation.