Bankruptcy: A Reset, Not a Failure
Most people who file bankruptcy did not get there through recklessness. They got there through a medical bill, a divorce, a job loss, or a business that did not survive. Bankruptcy exists because Congress decided people deserve a way out from under debt they can never realistically repay. Used correctly, it is a reset button.
Chapter 7 and Chapter 13
Chapter 7 wipes out most unsecured debt, credit cards, medical bills, personal loans, in a matter of months. It works best when your income is modest and your assets fit within the exemptions.
Chapter 13 restructures debt into a three-to-five-year repayment plan. It can stop a foreclosure, catch up missed mortgage payments, and protect assets a Chapter 7 might not.
Which one fits depends on your income, your assets, and what you are trying to protect. That is exactly what the consultation sorts out.
What Bankruptcy Stops
Filing triggers an automatic stay: collection calls stop, garnishments stop, lawsuits pause, and foreclosure and repossession are halted while the case proceeds. For many families, the quiet is the first relief they have felt in years.
What to Bring
Recent pay stubs, tax returns, a list of debts and who you owe, and a list of what you own. You do not need it organized. You need it in a pile. We will handle the rest.
Talk With Chris
The first step is a free 15 minute call, held by Zoom or phone, where you will get straight answers about your situation and your options.