Expert DEBT Solutions

Bankruptcy is a legal process that allows individuals or businesses struggling with debt to get relief and rebuild financially. It can eliminate certain debts entirely or create a structured repayment plan to avoid aggressive collection actions like wage garnishments, bank levies, or foreclosure.

Not all debts can be discharged. Most unsecured debts—like credit cards, medical bills, and personal loans—are dischargeable. Non-dischargeable debts may include recent taxes, student loans (in most cases), alimony, and child support.

A bankruptcy filing appears on your credit report for 7–10 years. While it lowers your credit score initially, many people find their credit improves faster after bankruptcy because debt-to-income ratios improve and accounts stop being reported as delinquent.

No. Once a case is filed, an automatic stay goes into effect, immediately halting most collection efforts: calls, lawsuits, wage garnishment, and foreclosure.

In many instances, bankruptcy isn't necessary and we can assist clients in renegotiating payment terms with their largest creditors to make payments more manageable.  This may include working with lenders to refinance existing debt into a single payment with extended payment terms.