Answers to the questions we hear most

Yes. Your first bankruptcy consultation is a free 45-minute meeting, and it's confidential. You can meet with us in person or by phone, and there's no pressure to move forward.

In most cases, yes. Once your case is filed, an automatic stay stops most collection calls, wage garnishments, and lawsuits. We'll explain exactly what it covers in your situation.

Chapter 7 typically wipes out most unsecured debts within a few months and works well when your income is limited. Chapter 13 sets up a court-approved repayment plan over three to five years and is often used to save a home from foreclosure or catch up on secured debts. We'll look at your numbers together and recommend the right fit. Read our Chapter 7 vs Chapter 13 overview.

You can usually keep your home, and most clients can also keep their cars, depending on equity. At your consultation, the attorney will go over your specific situation.

Yes. Once you're on retainer, you decide how much you can pay each month. When your fees and costs are paid in full, you're added to our list of clients waiting to file. As your turn gets close, we'll reach out and ask you to complete your paperwork through a secure online platform.

A Chapter 7 case usually reaches discharge about four months after filing, as long as there are no complications. A Chapter 13 case follows a repayment plan that lasts three to five years, and you receive your discharge once the plan payments are complete.

A Chapter 7 stays on your credit report for 10 years and a Chapter 13 for 7 years. Many people can qualify for new credit at a reasonable interest rate after about 2 years.

Usually not in front of a judge. About a month after filing, you'll attend the meeting of creditors, which is run by the bankruptcy trustee. Most of the time it's held by Zoom, and you can join from our office with Fawn. She attends with you and is there every step of the way.

Sometimes. Bankruptcy isn't always the best choice. We can negotiate with your creditors and look at other options that fit your situation. Schedule a free 45-minute consultation and we'll help you decide your best next step.

Protecting your privacy is of the utmost importance to us. We take numerous precautions so you can feel comfortable working with our office, and you're welcome to ask us about any concerns.