Our Areas of Practice
We specialize in Chapter 7 and Chapter 13 bankruptcy proceedings. If you would like to learn more, please click below for the issues that are most relevant to your case. After you peruse the practice areas, we encourage you to view the seven-step bankruptcy process below to start your path toward financial freedom.
Your Bankruptcy Process
- 1. Free Consultation
- 2. Preparing Your Case
- 3. Credit Counseling
- 4. Automatic Stay
- 5. Meeting of Creditors
- 6. Financial Management Course
- 7. Discharge or Repayment Plan Completion
You meet directly with the attorney for a confidential consultation to review your financial situation. We walk through your income, expenses, debts, assets, and any urgent issues such as lawsuits, wage garnishments, or foreclosure. The attorney explains how Chapter 7 and Chapter 13 apply to your situation and gives you clear, practical options so you can decide your next step with confidence.
We gather and review your financial documents, including pay stubs, tax returns, bank statements, debts, and a full list of your assets and monthly expenses. The attorney prepares your bankruptcy petition and schedules, organizes your information, and ensures everything is accurate and complete before filing. We handle most of this process remotely so you can complete everything without unnecessary office visits.
You complete a required credit counseling course from a provider approved by the U.S. Trustee Program before we file your case. We help you choose an approved provider and enroll in an online course that fits your schedule. Once you finish the course, you receive a certificate that we file with your case so you can move forward without delay.
We file your bankruptcy petition with the court, and your case begins immediately. The automatic stay takes effect right away and stops most collection actions, including creditor calls, lawsuits, garnishments, repossessions, and foreclosure activity. You gain immediate protection while your case moves through the court system.
You attend a short 341 meeting about three to five weeks after filing, usually by video conference. A bankruptcy trustee reviews your filing and asks basic questions about your financial information. Creditors may attend, but they often do not participate. The attorney attends with you, prepares you ahead of time, and makes sure you know exactly what to expect so the process feels straightforward.
You complete a required financial management course after filing your case. This online course focuses on budgeting and rebuilding financial stability after bankruptcy. We help you enroll in an approved provider and stay on track so you meet this requirement and move smoothly toward discharge.
The type of final outcome depends on whether you filed a Chapter 7 or Chapter 13 bankruptcy case. In a Chapter 7 case, the court issues a discharge after you complete the required steps, eliminating most qualifying unsecured debt. In a Chapter 13 case, the court confirms your repayment plan, and you make manageable monthly payments over three to five years based on your income. Once you complete your plan, the court discharges eligible remaining debt and closes your case so you can move forward.