Consumer debtors generally have two options under the bankruptcy laws: One is a Chapter 7; the other, a Chapter 13.

A Chapter 7 is frequently called the "fresh start" chapter because most consumer debts can be completely discharged and the debtor has a chance to begin anew. Chapter 7 is designed for debtors without assets and without extra monthly income to pay off their debts.

A Chapter 13, on the other hand, is designed for debtors who have assets or property and who can afford to pay off some portion of their debts on a monthly basis over a period of several years.

Two other bankruptcy chapters are Chapter 12 for family farmers and Chapter 11, which is used mostly by businesses.

This firm takes clients who qualify for Chapter 7 or Chapter 13 bankruptcy petitions. If you have filed a prior Chapter 7 bankruptcy and received a discharge, you are not eligible to file another Chapter 7 for six years and there are some debts that cannot be discharged through bankruptcy. These are most taxes, child support, alimony, student loans, court fines and criminal restitution and personal injury to someone caused by drunk driving. Under either a Chapter 7 or Chapter 13 you can continue to pay any debt you choose to pay in its entirety.

Each person's situation is different so we suggest you call to set up an appointment so that we can best advise you based on your particular circumstances. There is no charge for the initial consultation but specific information will be required so call our office for further details.