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Bankruptcy

Is Bankruptcy The Right Choice?

Bankruptcy is a legal proceeding for individuals who cannot repay their debts. Bankruptcy can offer individuals a fresh start and stop creditors from taking any legal action against you while you are active in your bankruptcy case. Bankruptcy may not be the right choice.

Bankruptcy can:

  • Give you a fresh start by the elimination of all or some of the debts you owe.
  • Stop Foreclosure and allow you to catch up on your past payments.
  • Bankruptcy will not immediately eliminate your mortgage or any liens that are currently associated with your property.
  • Stop debt collection harassment and wage garnishment.
  • Prevent utility companies from shutting off service and could restore previously discontinued service
  • Prevent repossession of your vehicle.
  • Eliminate certain kinds of liens.

Bankruptcy won’t:

  • Eliminate child support or alimony obligations.
  • Wipe out student loan debt.
  • Eliminate most tax debt.
  • Eliminate other non-dischargeable debt such as debts you forgot to include in the filing, fines imposed by the law, and debts for personal injury caused by an intoxicated driver.
  • Prevent a secured creditor from possessing property

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*** We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. ***