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  • Bankruptcy

  • Our firm handles both Chapter 7 and Chapter 13 bankruptcy cases.  Ms. Clay has personally represented clients in nearly 450 bankruptcy cases since becoming an attorney, and has assisted countless others in her capacity as a bankruptcy paralegal prior to that.  Ms. Clay understands the stress of financial burdens.  She understands that it is not just the debts, it is the toll financial stress takes on marriages and families.  When a family is making decisions on whether to pay the electric bill or buy school supplies for the children, the stress can be overwhelming.

    Are your bills causing you stress?  Are you facing foreclosure, repossession or wage garnishments?  Does your phone need a break from creditor calls?  We can discuss possible financial solutions with you.  Let an experienced and compassionate attorney help put you on the road to financial recovery.  Call today for a consultation.

    CHAPTER 7

    A Chapter 7 bankruptcy is for individuals who want to wipe out all of their unsecured debts such as credit cards, personal loans, utility bills, medical bills and cell phone contract liabilities.  Whether or not you are eligible to file a Chapter 7 depends on the income of your household and whether you have any significant assets, such as equity in your home.  The moment your case is filed, you are protected by the U.S. Bankruptcy Court.  The creditor phone calls and harassment must stop!  Wage and bank account garnishments must stop!  Your assets are saved from being seized by creditors!

    CHAPTER 13

    If you are unable to file for Chapter 7 for whatever reason, you may still be able to file for Chapter 13 to get some relief from your debts.  In a Chapter 13, you will repay a portion of your debt through a repayment plan.  How much you will have to pay back depends on your income and your assets, among other factors.  A common reason for filing a Chapter 13 is to catch up on past mortgage payments to save your home or to have unsecured liens on your home removed entirely.

    Our experienced attorney will sit with you and help you decide which chapter is right for you.  Call today for a consultation.

  • We are a debt relief agency. We help people file for relief under the United States Bankruptcy Code.