Protecting What Matters Most
With decades of combined experience, our team brings clarity and confidence to every bankruptcy matter.
Domaines d'expertise
Des services professionnels de bankruptcy conçus pour des résultats concrets.
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy
Eliminating qualifying unsecured debts like credit cards, medical bills, and personal loans through liquidation bankruptcy to give you a true fresh start.
- Means test analysis and qualification
- Maximum exemption planning to protect assets
- Discharge in as few as 3-4 months
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy
Creating a court-approved 3-5 year repayment plan that lets you keep your home and vehicles while catching up on past-due obligations.
- Mortgage arrears catch-up plans
- Vehicle loan cramdown options
- Tax debt repayment strategies
Debt Negotiation & Settlement
Debt Negotiation & Settlement
Negotiating directly with creditors to reduce balances, lower interest rates, and create manageable payment arrangements without filing bankruptcy.
- Lump-sum settlement negotiations
- Hardship program enrollment
Foreclosure Defense
Foreclosure Defense
Using bankruptcy automatic stay protection, loan modification applications, and litigation to stop or delay foreclosure and keep you in your home.
- Automatic stay to halt foreclosure sales
- Loan modification negotiation
- Wrongful foreclosure defense
Wage Garnishment Relief
Wage Garnishment Relief
Stopping or reducing wage garnishments through bankruptcy filing, exemption claims, and head-of-household protections.
- Immediate garnishment cessation via automatic stay
- Recovery of improperly garnished funds
Business Bankruptcy
Business Bankruptcy
Advising business owners on Chapter 7 liquidation, Chapter 11 reorganization, and personal liability protection for business debts.
- LLC and corporate debt separation
- Personal guarantee liability analysis
- Subchapter V small business reorganization
Comment ça fonctionne
Un processus simple et transparent du début à la fin.
Consultation gratuite
Parlez-nous de votre affaire. Nous évaluerons votre situation et vous expliquerons vos options — sans frais, sans engagement.
Stratégie juridique
Nous élaborons une stratégie juridique sur mesure visant le meilleur résultat possible pour votre situation.
Représentation engagée
Notre équipe expérimentée défend vos droits à chaque étape, en vous tenant informé tout au long du processus.
Résolution et résultats
Nous travaillons sans relâche jusqu'à la résolution de votre affaire, en vous assurant d'obtenir l'indemnisation ou le résultat que vous méritez.
À propos de Toulouse Bankruptcy
At Toulouse Bankruptcy, we've been proudly serving Toulouse since 2012. Founded by David Johnson, our team is dedicated to providing exceptional bankruptcy services. We believe in honest work, fair pricing, and building lasting relationships with our customers.
Planifier une consultation
Our Track Record
Results that speak for themselves.
Études de cas
Des résultats réels pour des clients réels.
Solution complète en Bankruptcy
Une approche sur mesure qui a dépassé les attentes et obtenu des résultats mesurables pour le client.
Partenariat stratégique réussi
Un partenariat à long terme axé sur l'amélioration continue et la croissance de l'entreprise.
Défi complexe résolu
Une situation complexe gérée avec expertise et attention, garantissant le meilleur résultat possible.
Resources & Guides
Free resources to help you make informed decisions.
Understanding Your Rights
A comprehensive guide to understanding your legal rights and options.
Read More →
What to Expect in Court
Step-by-step walkthrough of the court process to help you prepare.
Read More →
Frequently Asked Legal Questions
Answers to the most common questions we receive from clients.
Read More →Derniers articles
Conseils d'experts, astuces et actualités de notre équipe bankruptcy.
Bankruptcy BasicsChapter 7 vs. Chapter 13: Which Bankruptcy Is Right for You?
Understanding the key differences helps you choose the path that best protects your assets and addresses your debts.
Lire la suite →
Credit RecoveryHow to Rebuild Your Credit After Bankruptcy
Bankruptcy isn't the end — it's a fresh start. Follow these steps to rebuild your credit score in 12-24 months.
Lire la suite →
Debt ReliefHow Bankruptcy Can Immediately Stop Wage Garnishment
The automatic stay is one of bankruptcy's most powerful tools. Learn how it halts garnishments the moment you file.
Lire la suite →Medical DebtOverwhelmed by Medical Debt? Your Bankruptcy Options Explained
Medical bills are a leading cause of bankruptcy. Here's how the process works and what you can expect.
Lire la suite →Can Chapter 13 Save Your Home from Foreclosure?
If you're behind on your mortgage, Chapter 13 gives you up to 5 years to catch up while keeping your home.
Lire la suite →Problèmes que nous résolvons
Les défis courants de nos clients — et comment nous les aidons.
Drowning in debt and can't see a way out?
Bankruptcy provides legal protection from creditors and a structured path to eliminate or repay debt. Most people who file wish they had done it sooner.
Afraid you'll lose your house, car, or retirement savings?
Federal and state exemptions protect essential assets. Most Chapter 7 filers keep everything they own. Chapter 13 is specifically designed to save homes and vehicles.
Harassed by debt collectors calling day and night?
The moment you file bankruptcy, an automatic stay goes into effect forcing all collection activity to stop immediately — calls, lawsuits, garnishments, everything.
Worried bankruptcy will ruin your credit forever?
Most clients see their credit scores improve within 12-18 months after discharge because the debt-to-income ratio dramatically improves. Bankruptcy is a tool for rebuilding, not an ending.
Questions fréquentes
Vous avez des questions ? Nous avons les réponses.
Will I lose everything if I file Chapter 7?
No. Federal and state exemption laws protect essential assets including your home equity (up to limits), vehicle, retirement accounts, household goods, and tools of your trade. Most Chapter 7 filers keep all their property.
How long does bankruptcy stay on my credit report?
Chapter 7 stays on your credit report for 10 years, Chapter 13 for 7 years. However, the practical impact diminishes over time and many people qualify for mortgages within 2-4 years after discharge.
What debts can bankruptcy eliminate?
Bankruptcy can discharge credit card debt, medical bills, personal loans, old utility bills, and some older tax debts. It generally cannot discharge student loans, recent taxes, child support, or alimony.
How much does it cost to file bankruptcy?
Court filing fees are approximately $338 for Chapter 7 and $313 for Chapter 13. Attorney fees vary but typically range from $1,000-$2,500 for Chapter 7 and $2,500-$5,000 for Chapter 13. Many attorneys offer payment plans.
Can I file bankruptcy on medical bills only?
Bankruptcy covers all qualifying debts — you cannot selectively discharge only medical bills. However, if medical debt is your primary burden, Chapter 7 can wipe it out along with other unsecured debts.
Ce que disent nos clients
Ne nous croyez pas sur parole — écoutez nos clients satisfaits.
“I was $87,000 in credit card debt and couldn't sleep at night. Chapter 7 gave me a clean slate and I'm already rebuilding my credit.”
James Thomas
“They saved our home from foreclosure. The Chapter 13 plan let us catch up on our mortgage over 5 years and we never missed a payment.”
Maria White
“I was embarrassed to even make the call. They treated me with dignity and made the whole process less scary than I imagined.”
David Johnson
“The wage garnishment stopped the day they filed. I went from losing 25% of my paycheck to keeping every dollar I earned.”
Lisa Smith
Planifiez votre consultation gratuite
Faites le premier pas dès aujourd'hui. Notre équipe est prête à vous aider.
Disponibilité limitée cette semaine — réservez votre créneau maintenant.
Contactez-nous
Prêt à commencer ? Contactez-nous dès aujourd'hui pour une consultation et un devis gratuits.
Téléphone
+33 6 43 59 49 93
Adresse
133 Main Street, Toulouse