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

This office helps people file for relief under chapter 7 and Chapter 13 of Bankruptcy.
What about Chapter 11?  I know everyone hears about Chapter 11.  This is when someone owes over $1 million dollars.  That is likely not you.  If it is you, then unfortunately, I can't help you, but I can recommend others who can.

Need help with with consumer bankruptcy under Chapter 7 and Chapter 13 of the federal bankruptcy code.

• The Basics of Chapter 7 & 13 Bankruptcy
• Bankruptcy Basics - Frequently Asked Questions
• Bankruptcy Top Ten Mistakes to Avoid
• Bankruptcy & Home Foreclosure
• What Information Do You Need to File for Bankruptcy?
• The Means Test
• Bankruptcy - Income Tax Relief in Bankruptcy
• Bankruptcy Basics - Attorneys' Fees
• Homestead protection

One of the reasons people file for bankruptcy is to get a "discharge." A discharge is a court order that states that you do not have to pay most of your debts. Some debts cannot be discharged. For example, you cannot discharge debts for:

• Most taxes
• Child support
• Alimony
• Most student loans
• Court fines and criminal restitutions
• Personal injury caused by drunk driving or under the influence of drugs

The discharge only applies to debts that arose before the date you filed. Further, if a judge finds that you received money by fraud, the debt will not be discharged.

You can receive a Chapter 7 discharge once every eight years. Other rules may apply if you previously received a discharge in a Chapter 13 case. No one can make you pay a debt that had been discharged, but you can voluntarily pay any debt you wish to pay. Some creditors hold a secured claim (for example, the loan company that has a lien on your car). You do not have to pay a secured claim if the debt is discharged, but the creditor can still take the property.