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A fresh start is a legal right, not a moral failing. We help individuals and small business owners use the bankruptcy code the way it was designed — to get out from under crushing debt and rebuild.
How we help
Chapter 7 — A clean slate
For people whose income and assets qualify, Chapter 7 can discharge most unsecured debts in a matter of months. We’ll walk you through the means test, the exemptions, and what life looks like on the other side.
Chapter 13 — A structured reset
If you have steady income but need time to catch up — on a mortgage, taxes, or a car — Chapter 13 lets you consolidate debts into a manageable plan, often while keeping the things that matter most.
Will I lose my house or car in Chapter 7?
Not necessarily. Texas, Oregon, and California all have generous homestead and personal-property exemptions, and most Chapter 7 cases are no-asset cases where the debtor keeps everything they own.
How long does Chapter 7 take?
Most Chapter 7 cases close roughly 90–120 days after filing.
Does bankruptcy stop collection calls and lawsuits?
Yes. The automatic stay halts most collection efforts the moment the case is filed, including calls, lawsuits, garnishments, and foreclosures.
Need to understand your bankruptcy options before creditors move? Start with a free consultation.
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