Got Questions? We Have the Answers

Bankruptcy is a legal process that allows individuals or businesses struggling with debt to seek relief and resolve financial obligations. Depending on your situation, different types of bankruptcy (Chapter 7, Chapter 13, etc.) can offer solutions, such as debt discharge or repayment plans. Our experienced attorneys can guide you through the entire process, from filing to resolution.

Bankruptcy may be right if you are struggling to keep up with minimum payments or relying on credit cards to cover basic living expenses. It is often considered when debt feels unmanageable and there is no realistic way to pay it off in a reasonable time. A free consultation with a bankruptcy attorney can help review your income, debts, and goals. That conversation can clarify whether bankruptcy or another option makes the most sense for your situation.

The two most common types are Chapter 7 and Chapter 13. Chapter 7 wipes out most unsecured debt quickly, usually in a few months. Chapter 13 sets up a 3–5 year payment plan to catch up on debt while protecting assets like a home or car.

Bankruptcy hurts your credit temporarily, but ongoing debt hurts it every single month. For many people, bankruptcy is the fastest path to recovery, not a permanent setback.

The timeline for bankruptcy varies depending on the type and complexity of your case. Chapter 7 bankruptcy typically takes around 3-6 months, while Chapter 13 can take 3-5 years due to the repayment plan. We’ll provide a detailed estimate based on your specific circumstances during our consultation.

In many cases, individuals can keep their property, especially with Chapter 13 bankruptcy, which involves a repayment plan rather than liquidation. However, certain assets may be subject to liquidation in Chapter 7. Our attorneys will assess your case and work to protect your property whenever possible.

The cost of filing for bankruptcy varies depending on the complexity of the case and attorney fees. There are filing fees for the court, and legal fees depend on the type of bankruptcy and the services required. We offer consultations to discuss your financial situation and provide transparent pricing.