Welcome

We can file your bankruptcy case with the Bankruptcy Court as quickly as the next day after you complete your Credit Counseling Course, questionnaire and pay your fee which you can complete as little as in 1 day. 

Yes the filing of a bankruptcy creates what is called an Automatic Stay - which prohibits collection actions against you for a period of time absent Bankruptcy Court order. 

Yes the filing of a bankruptcy creates what is called an Automatic Stay - which prohibits collection actions against you for a period of time absent Bankruptcy Court order. 

If you received a Chapter 7 bankruptcy discharge, you have to wait 8 years before you can have another Chapter 7 discharge. 

If your case was dismissed instead of discharged you can file another Chapter 7 bankruptcy.

Not for Chapter 13, generally no for Chapter 7 bankruptcy.  A car is usually a debt - meaning you owe money on it. If your car is paid off it is an asset. If it has value/equity outside the bankruptcy exemptions, that may be an issue for Chapter 7- but that is rare and the Law Firm can work out arrangements with the Trustee.

We can file a Chapter 13 case for you within those 8 years if you qualify

Determine if you have Equity.

Market Value

- (minus) total owe on mortgage loan

= Equity

If your equity is more than the bankruptcy exemptions - you need to file a chapter 13 bankruptcy unless you want to surrender your home. 

The majority of Chapter 13 bankruptcy cases pay only about 10% back to general unsecured creditors spread out for 3 to 5 years. The amount you pay each month depends on your income, amount of debt, classifications of debt., etc. It is a very complicated determination. 

A Chapter 13 bankruptcy usually pays about 10% of the debt you owe general unsecured creditors spread out to 3 to 5 years. Each month you pay your Trustee who pays only your creditors that filed a proof of claim in your case. You can voluntarily dismiss your case at any time if you can not afford the payments, or we can amend or modify your plan if your income is reduced or your circumstances change.