What do I need for the first consultation?
All we need you to bring is your recent and accurate pay stub along with your list of creditors with amounts.
Will I lose any assets or property?
Chapter 7 - Bankruptcy exempts most assets allowing over 90% of our clients to keep everything and lose nothing. In Chapter 13 - Debt Consolidation you keep all assets you choose as debts are paid "as if in full".
How often can I file Chapter 7 or 13?
Chapter 7 - Bankruptcy allows 1 discharge every 8 years. Chapter 13 - Debt Consolidation lets you file as often as needed, if filed in good faith and 70% of unsecured debts were paid in a previously discharged Chapter 13.