Bankruptcy can give you a legal fresh start. Stop creditor calls, wage garnishments, and lawsuits — immediately. Free consultation with a bankruptcy attorney today.
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A free consultation will determine which option fits your situation.
Liquidation — Most Common
Reorganisation — Keep Your Assets
"I was getting 20 calls a day from debt collectors. Within 24 hours of filing, every single call stopped. I wish I had done this sooner."
Angela B.
Georgia
"Chapter 13 saved my house. I was 4 months behind on my mortgage and facing foreclosure. The automatic stay stopped everything and I'm now on a payment plan."
David R.
Michigan
"Chapter 7 wiped out $67,000 in credit card debt. The whole process took 4 months. My credit score is already recovering and I feel free."
Lisa M.
Arizona
Yes. The moment you file for bankruptcy, an 'automatic stay' goes into effect. This legally prohibits creditors, debt collectors, and even the IRS from contacting you or taking collection action.
Not necessarily. Chapter 13 is specifically designed to help you keep your home and catch up on missed payments. In Chapter 7, many states allow you to keep your home and car through exemptions, especially if you are current on payments.
Chapter 7 stays on your credit report for 10 years; Chapter 13 for 7 years. However, many people find their credit score begins to improve within 1–2 years of filing as discharged debts are removed.
Bankruptcy attorneys typically offer free consultations. Attorney fees vary by case complexity. Many attorneys offer payment plans. The free evaluation will give you a clear picture of costs before you commit to anything.
Free consultation. No obligation. Attorneys available now.
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