PRACTICE AREAS

My practice emphasizes helping individuals, married couples and small businesses in Chapter 7 (liquidation), Chapter 13 (commonly referred to as a wage earner plan) and Chapter 11 (reorganization).  

I also occasionally assist credit unions and individuals with creditor bankruptcy  issues.

Bankruptcy will stop creditor harassment and in most instances will allow you emerge virtually debt free while retaining most of your property. Your situation should be reviewed by an experienced bankruptcy attorney to determine the relief available.

Most commentators agree that the country is facing a student loan crisis with over a trillion dollars in outstanding student loans.

While dealing with these lenders can be difficult and frustrating, there are a number of ways to obtain debt relief:  income based repayment plans, workouts, debt forgiveness for public servants or teachers, disability, school closure or fraud, and discharge in bankruptcy.  An experienced attorney can help you find available solutions.

Are you being harassed by creditors or have you been sued?  There may be ways to stop creditor harassment even outside of bankruptcy.  There may be defenses to a lawsuit.

Generally,, unless you have given creditors a lien on your proprty or have money on deposit with them, they cannot garnish your wages, seize your bank accounts or otherwise get to your assets until they  get judgment.  That means they have to prove their case to the judge.

Sometimes it is better to try for a workout or to defend the suit than to file bankruptcy.  Agaim, your situation should be reviewed by competent counsel to help you determine the best course of action.