Are you facing lawsuits? Collection calls? Threats of repossession or foreclosure? Chapter 7 Bankruptcy brings great relief. The bankruptcy laws were created to relieve struggling debtors from the burdens of overwhelming debt. Debt happens. sickness, injury, misfortune and poor judgment can all play a role. When debts become too large to repay, bankruptcy should be considered. Once you retain us, we can shield you from debt collector phone calls as you prepare to file bankruptcy. The bankruptcy code is complex. Contact us early and we can help you to maximize the benefit of your bankruptcy and avoid common mistakes which may violate the law. When you file bankruptcy, three things will happen: 1. A cooling-off period begins. Your creditors are barred from contacting you, repossessing your car, or foreclosing on your home until you get your day in court; 2. State laws will allow you to keep property considered “exempt” from bankruptcy. For most of our clients, this includes all of their property. 3. Your dischargeable debts are dismissed. For most of our clients, this means all of their debts are dismissed. Creditors can never pursue you again for debts that are discharged. The bankruptcy code is a generous and merciful law. Debt collectors may try and sour your opinion of bankruptcy, but bankruptcy remains an important part of America’s free market economy. Bankruptcy provides a way for those who get crushed by economic changes to get back up rejoin the pursuit of happiness. Meeting with us to discuss your options is free and easy. Let us go to work for you today. Because you deserve a fresh start and peace of mind.*We are a federally designated Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.