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

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

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

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

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

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