Federally Protected Debt Relief

Stop the Harassment.
Erase Your Debt.

Bankruptcy is a legal tool designed to protect you, not punish you. Stop wage garnishments, halt foreclosures, and legally discharge unsecured debt with the help of an experienced attorney.

The "Automatic Stay" The moment you file, federal law prohibits creditors from calling you, garnishing your wages, or suing you. The harassment stops immediately.
Total Debt Discharge Chapter 7 bankruptcy allows you to completely wipe out qualifying unsecured debts, including credit cards, medical bills, and personal loans.
Keep Your Home & Car Filing for bankruptcy does not mean losing everything. State and federal exemptions are designed to help you keep your primary residence, vehicle, and retirement accounts.

Free Case Evaluation

Speak with a legal professional to see if you qualify for Chapter 7 or Chapter 13 bankruptcy. This consultation is 100% confidential.

Attorney-Client Privilege. Bank-level secure encryption.
Interactive Tool

Debt Discharge Simulator

Are you trapped paying only the minimums? Enter your unsecured debts below to see how much money and time a legal bankruptcy discharge could instantly save you.

$
$
$

Note: Secured debts (like mortgages and auto loans) or specific debts (like most student loans and taxes) are typically handled differently or not discharged. This tool estimates relief for unsecured debt via Chapter 7.

Total Eligible For Legal Wipeout

Unsecured Debt Total
$28,000
100% Dischargeable in Chapter 7
Time to Pay Off Normally
22 Yrs
Paying minimums at 20% APR.
Interest Wasted
$35k+
Money given to the bank.

Bankruptcy vs. Debt Settlement

Debt settlement companies often make false promises. Understand why a legal bankruptcy filing provides superior, guaranteed protection.

Feature Bankruptcy (Chapter 7/13) Debt Settlement / Consolidation
Legal Protection Immediate "Automatic Stay" stops lawsuits. None. You can still be sued and garnished.
Creditor Compliance Creditors are legally forced to comply. Voluntary. Creditors can refuse to negotiate.
Tax Consequences Discharged debt is completely tax-free. "Forgiven" debt is taxed as ordinary income.
Timeline to Relief Discharge typically granted in 90-120 days. Takes 2 to 4 years to settle accounts.

Bankruptcy FAQs

In the vast majority of cases, no. State and federal bankruptcy laws include "exemptions" specifically designed to protect your essential property. Most filers are able to keep their primary residence, primary vehicle, retirement accounts (like 401ks and IRAs), and household goods.
No. While a bankruptcy does remain on your credit report for up to 10 years, the actual impact on your score diminishes rapidly. In fact, many clients see their credit scores begin to improve within 12 to 18 months after discharge, because their debt-to-income ratio drops to zero and they receive offers for secured credit cards to begin rebuilding.
Chapter 7 is a "liquidation" bankruptcy that quickly wipes out most unsecured debts (credit cards, medical bills) without requiring a repayment plan. It requires you to pass a "means test" based on your income.

Chapter 13 is a "reorganization" bankruptcy where you consolidate your debts into a single, affordable monthly payment over 3 to 5 years. It is ideal for higher-income earners or those looking to save a home from imminent foreclosure.
Scroll to Top