Bankruptcy – Millions of families nationwide are facing financial distress. The Bankruptcy Act was passed in an effort to assist families just like yours with a fresh start in the financial world. My offices strive to provide you with the most comforting, reassuring, and smoothest bankruptcy filing possible. Whether we look at a Chapter 7 Bankruptcy, or a Chapter 13 Personal Reorganization, I am here to help you every step of the way. Unlike many other firms, I handle your case personally from beginning to end. Your path to financial independence starts here! Call me today and let’s get you moving to your financial freedom!

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There are six types of bankruptcy under the Bankruptcy Code, located at Title 11 of the United States Code:

  • Chapter 7: basic liquidation for individuals and businesses; also known as straight bankruptcy; it is the simplest and quickest form of bankruptcy available
  • Chapter 9: municipal bankruptcy; a federal mechanism for the resolution of municipal debts
  • Chapter 11: rehabilitation or reorganisation, used primarily by business debtors, but sometimes by individuals with substantial debts and assets; known as corporate bankruptcy, it is a form of corporate financial reorganisation which typically allows companies to continue to function while they follow debt repayment plans
  • Chapter 12: rehabilitation for family farmers and fishermen;
  • Chapter 13: rehabilitation with a payment plan for individuals with a regular source of income; enables individuals with regular income to develop a plan to repay all or part of their debts; also known as Wage Earner Bankruptcy
  • Chapter 15: ancillary and other international cases; provides a mechanism for dealing with bankruptcy debtors and helps foreign debtors to clear debts.

The most common types of personal bankruptcy for individuals are Chapter 7 and Chapter 13. As much as 65% of all U.S. consumer bankruptcy filings are Chapter 7 cases. Corporations and other business forms file under Chapters 7 or 11.