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  • What is Bankruptcy?

    Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.

    For most consumer purposes, bankruptcy is:

    > A legal proceeding

    > by someone who cannot pay their bills,

    > seeking a fresh financial start

    > as provided by the Bankruptcy Code.

    > All bankruptcy cases are handled in federal court

    Bankruptcy may make it possible for you to:

    * Eliminate the legal obligation to pay most or all of your debts. This is called a “discharge” of debts. It is designed to give you a fresh financial start.

    * Stop foreclosure on your house or manufactured home and allow you an opportunity to catch up on missed payments. (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.)

    * Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

    * Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.

    * Restore or prevent termination of utility service.

    * Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.

    Contact us now to schedule a free consultation and learn more