The economic situation throughout the U.S. has created many financial setbacks for both individuals and businesses. While filing bankruptcy is never an easy decision, in many cases it provides the right solution to achieve a fresh start.

There are two main types of bankruptcy cases generally used by most consumers - Chapter 7 (liquidating bankruptcy) and Chapter 13 (debt restructuring bankruptcy). However, bankruptcy is not the only method of dealing with too much debt. In some situations, it may be better to try an out-of-court settlement with creditors, debt consolidation, or payment of debts by sale of assets or borrowing on assets. Each form of bankruptcy operates on strict legal requirements. Any errors can stop a filing in its tracks or result in unexpected changes ordered by bankruptcy courts.

Regardless of your situation, I have the skills and experience to help you find the right solutions and address all details needed to help you work toward financial freedom. I've also shared many of your experiences. I know what it's like to juggle time and money, and to try to hold things together in times of crisis. I know how overwhelming financial pressures can be, and how a job loss, or illness, divorce, or a family problem can consume all of your resources and throw you into debt that you’ll never be able to repay, especially as late charges build and interest rates skyrocket. Bill collectors, tax levies, repossessions and foreclosures can drive you to despair, but bankruptcy can help you to get a handle on your debts.

Many attorneys you may come across in your search for help are not specialists in both business and consumer bankruptcy. That may not seem important, but many bankruptcy attorneys won't handle a small business case or an individual case with any problems. Hopefully, your case will be problem free, but isn't it reassuring to know that if a problem does arise, you've hired someone who can handle it? By the end of your free consultation, you can gain a clear understanding of whether bankruptcy or another solution is right for you - and exactly what to do next.