Experienced, Dedicated, Bankruptcy Lawyer

Bankruptcy is Federal law and subject to the U.S. Bankruptcy Courts. Bankruptcy law is federal statutory law contained in Title 11 of the United States Code. Congress passed the Bankruptcy Code under its Constitutional grant of authority to "establish...uniform laws on the subject of Bankruptcy throughout the United States. "States may not regulate bankruptcy though they may pass laws that govern other aspects of the debtor-creditor relationship. A number of sections of Title 11 incorporate the debtor-creditor law of the individual states.

There are four types of bankruptcy, two of which are reserved for individuals.  While some people choose to file for bankruptcy themselves, it is generally best to have an attorney involved at some level, and preferable to let the attorney handle it completely.   If things are not done properly, the cost of hiring an attorney could easily be dwarfed by the resulting cost of the mistakes.

Before filing for bankruptcy, consider whether you have any realistic alternatives.  If there is any possibility of reducing your debt and paying your bills, you owe it to yourself to consider it before taking the irreversible step of personal bankruptcy.

Chapter 7 Chapter 13

The two types of personal bankruptcy are called Chapter 7 and Chapter 13, both named after the statutory title of the U.S. Bankruptcy Code under which they are organized.

There are many circumstances which cause people to declare bankruptcy. Unexpected layoffs, medical problems, out of control debt, and other causes can leave you without the necessary resources to keep up with monthly payments. Many of our clients are afraid of losing everything. Declaring bankruptcy is not an easy decision, but we can help you sort out your options, review potential alternatives, and then make a decision on how to proceed.

After recent changes in bankruptcy law, it is vital to hire a bankruptcy attorney who is focused on helping clients manage their legal situation. We can help you gather the necessary paperwork and determine what type of bankruptcy, if any, is appropriate for you.