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What is Bankruptcy?

Key Points of a Chapter 7 Bankruptcy:

  • Hold off home foreclosure until you can reorganize
  • Retain your car and house if you can maintain monthly payments
  • Protect you from being sued or harassed
  • Stop any wage garnishments and bank attachments
  • Retain your personal property such as household goods, motor vehicles, and equity in your home up to $500,000
  • Require utility companies to turn on your water, lights, heat and phone
  • Discharge any dischargeable unsecured debts

Read more about Chapter 7 >>

Key Points of a Chapter 13 Bankruptcy:

  • Avoid foreclosure
  • Stop annoying creditor actions
  • Spread your home mortgage arearage over three to five years
  • Devise a plan that will reduce your overall payments by spreading them over three to five years
  • Reduce your interest rate on unsecured debts to 0%
  • Cancel all remaining unsecured debt by completing your Chapter 13 plan

Read more about Chapter 13 >>

“Janet Goldman is a great bankruptcy attorney. She helped me through the most difficult time of my life with an understanding and in a truly caring way. Her knowledge of what to do and [her] guidance was incredible. She made the experience much better than 1 ever anticipated. (I would highly recommend that she be the attorney you turn to for help. There is nobody better in the state.)”