The U.S. Bankruptcy Code provides relief for businesses and consumers. Each has different eligibility requirements and different advantages in particular situations. Filing a bankruptcy petition automatically triggers an automatic stay, meaning creditors must immediately stop collections letters and phone calls. I will correspond with your creditors from the moment you file for bankruptcy and act entirely on your behalf.

The most common forms of bankruptcy are:

• Chapter 7 bankruptcy — For individuals and their spouses who own fewer assets and earn smaller incomes, Chapter 7 bankruptcy grants you relief from debts through liquidation of your assets.
• Chapter 11 bankruptcy — For corporations, partnerships and sole proprietorships, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a reorganization plan.
• Chapter 13 bankruptcy — An option for families facing foreclosure or whose incomes are higher, Chapter 13 bankruptcy permits you to pay off debts under a court-ordered installment plan extending three to five years. This option provides numerous advantages, including the possibility of keeping your home.

If bankruptcy is the right choice for you, I will be at your side, guiding you through the process from start to finish.