“I don’t know if I should file for bankruptcy” is one of the most common statements clients make during our first consultation. No one answer all situations, everyone’s case is different. Whether to seek debt relief, what kind of bankruptcy chapter to file, what nonbankruptcy options are available, when to file, the risks of filing and what happens after bankruptcy are all essential questions.

Bankruptcy offers significant relief from the burden of collections, crushing debt and judgments and the vast majority of individuals sail through with no difficulty. Bankruptcy provides a fresh start so you can spend your hard-earned income on reasonable and necessary living expenses and not have to skimp or sacrifice in order for the credit card company to get paid. Filing bankruptcy is a serious step that should be taken only after thorough consideration. Contact me to discuss whether bankruptcy is the right path for you.