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You may find yourself with more debt than you can pay. As one option, filing for bankruptcy may provide a solution to your financial problems. 

Bankruptcy provides two basic forms of relief - Chapter 7 (liquidation) and Chapter 13 (repayment or rehabilitation).  There are certain exempt assets, including your house and car, that you can keep.  We can advise you about  what is the right choice for you to pursue and to make a fresh start.   

· Bankruptcy Planning - Pre-bankruptcy planning is an option to use as you need to know what you can do and cannot do in this situation.  Filing for bankruptcy during the current and other cases involving collection of a judgment for debts or bills and to discharge most debts, including credit cards, medical bills, utility bills, car loans and deficiency judgment.   ·       

- Filing of a petition for bankruptcy will prevent creditors and lenders from taking any step to garnish your wages or seize non-exempt assets if a judgment is obtained against you.

- In any mortgage foreclosure action, we may negotiate to obtain a waiver of any deficiency (personal) judgment that the bank can acquire against you at the end of the mortgage foreclosure action, without you needing to file bankruptcy.  Such deficiency (personal) judgment can be the difference of the amount between the mortgage amount owed and the value of the house, which can be in the $15,000 to $50,000 range or higher.