Stop the calls. Stop the garnishment. Start over.
A free consultation with an attorney to find out whether bankruptcy is the right move for you — and what it would actually cost.
Ask us a question
We reply within one business day.
How it works
Three steps, and the first one costs nothing.
Free consultation
Tell us what you owe and to whom. No charge, no obligation, and you meet an attorney — not a paralegal and not a rushed phone call.
We check if you qualify
Chapter 7, 11 or 13, and the means test where it applies. Most people still qualify for Chapter 7.
We file, the calls stop
The automatic stay halts most collection, harassment and garnishment. We handle the paperwork and the creditor list.
What bankruptcy can stop
Foreclosure
A Chapter 13 is the most common way to stop a foreclosure and get back on track with a mortgage. Do not wait until after the sale.
Bill collectors
Once you retain us, creditors must deal with us. They have attorneys; so should you.
Garnishment
A judgment creditor can take 25% of your paycheck. The automatic stay stops that, and often the underlying debt can be discharged.
Bad credit getting worse
Delinquent payments and judgments report every month. Discharge stops the bleeding and rebuilding starts after filing.
Your options
Court filing fees below are the court's charge, separate from attorney fees or costs.
Chapter 7
The “fresh start”. Designed for people who cannot pay existing debts. In most cases you keep your property and discharge the debt.
Court filing fee $338
Chapter 13
A court-approved repayment plan over three or five years, for people with regular income. The usual route to stopping a foreclosure.
Court filing fee $313
Chapter 11
Reorganisation, mainly for businesses but available to individuals. Complex enough that it should always be reviewed with an attorney.
Court filing fee $1,738