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Bankruptcy allows businesses and individuals to restructure and/or discharge debt, providing a financial fresh start.  Call us.  We can help.

Chapter 7 Bankruptcy 

Do you have primarily consumer debt?  You can discharge consumer debt in a Chapter 7.  While there are some debts you cannot discharge,  a Chapter 7 allows an individual the possibility of financial success in the future. 

Chapter 13 Bankruptcy 

This chapter is available for individuals who may make too much money to qualify for a Chapter 7 or need to reorganize their debt for other reasons.  The individual enters into a payment plan with bankruptcy court over a three to five year period.  Some debts may be discharged once the plan is completed.

Chapter 11 Bankruptcy 

This chapter is available to businesses.   A Chapter 11 debtor usually proposes a plan of reorganization to keep its’ business alive and pay creditors over time.  People in business or individuals can seek relief in Chapter 11.

Adversary Proceedings

This is a separate lawsuit filed within the bankruptcy case.  Like most lawsuits, it starts when someone (the creditor, the bankruptcy trustee, or you) files a complaint and can involve a allegations of fraud, seeking turn over of property, setting aside property transfers, or other similar claims.

We are a debt relief agency helping people file for bankruptcy

relief under the United States Bankruptcy Code