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As an individual, you will file either a Chapter 7 or Chapter 13 Bankruptcy. Choose the type that fits your life and your debt.

Bankruptcy does not mean failure, and no one will ever judge you for choosing to end the pain and stress of deep financial troubles. Though the word has traditionally been associated with financial irresponsibility, truthfully, bankruptcy exists today to help people who have experienced unforeseeable hardships, such as a loss of income, divorce, injury, illness or mortgage foreclosure.

 

Chapter 7 is what you typically expect when you hear the word "bankruptcy". It is designed for people with financial difficulties who are struggling to pay their debts. Many have the mistaken belief that if you file a Chapter 7 Bankruptcy you will lose everything. That is not the case. During our free initial consultation our office carefully reviews all of your assets and discusses any risks.

 

If you are experiencing any of the following you may be a good candidate for Chapter 7:

 

  - You are being sued by creditors

  - You are involved in a lawsuit

  - Experiencing problems paying your debt

  - Repeatedly gettting phone calls from creditors

  - Having trouble sleeping at night worrying about being unable to paying bills

  - Have had an automobile repossessed

  - Are facing utilities being shut off

 

Chapter 13 Bankruptcy is most commonly for people who are in need of a repayment program because they are in danger of losing an assets, such as their house or business. You can usually keep your property, but part of your income will be used to help you get caught up with your mortgage. Making payments through a Chapter 13 will help you to keep your house or business.

 

If you are experiencing any of the following you may be a good candidate for Chapter 13:

 

  - Your home or rental property is facing a foreclosure

  - Your home or rental property is facing a sheriff sale

  - You are behind on property taxes

  - Having trouble making your regular monthly mortgage payments

  - Have IRS debt

  - An automobile either about to be or is repossessed

  - Your business is experiencing financial trouble

Your debt and your struggles are unique, and bankruptcy may or may not be a solution for you. It is important that you discuss your situation with an attorney. Call M. Eisen & Associates PC for a free consultation.

Every case is unique

Bankruptcy may be the solution you need to settle your debt. Call today to speak to our professionals and learn about your options.

Know the facts so you can find the solution

Learn about bankruptcy and find out if it might be the solution you've been searching for.

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Call today to schedule your FREE in-office consultation

We are a debt relief agency, we help people file for bankruptcy under the US Bankruptcy Code.