Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a liquidation proceeding in which the debtor’s non-exempt assets, if any, are sold by the Chapter 7 trustee and the proceeds distributed to creditors according to the priorities established in the Code. This is one of the bankruptcy protection options available to you.

Chapter 13 Bankruptcy

A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years.


It is common for individuals facing financial pressures to worry about losing their car, major appliance or other property to creditors. The repossession process can be humiliating and add stress to an already difficult time in your life. Bankruptcy can be foreclosure protection.  Call today.