Bankruptcy is a powerful tool used by debtors to discharge or reduce certain financial obligations incurred by a debtor. Understandably it is a difficult decision to make. Along with the benefit that Bankruptcy provides comes consequences and responsibilities that can be substantial. Not every financial situation is appropriate to solve through Bankruptcy, however, filing bankruptcy can provide a fresh start and relieve the immense burden that comes with unmanageable debt.

Know Your Rights

Certain debts cannot be discharged during a bankruptcy. We can assist you with understanding whether or not you need to file petitions for exemptions and outline the best options based on your overall financial situation.

Bankruptcy Classifications

  • Chapter 7 – This type of bankruptcy is a liquidation where the trustee collects all of your assets and sells any assets which are not exempt. 


Typically Non-Dischargeable Debts

  • Back Child Support
  • Debts for Personal Injury
  • Fines & Penalties for violations of the law
  • Recent Income Tax Debts


  • Chapter 13 – This is a bankruptcy where a debtor proposes a 3-5 year repayment plan to the creditors offering to pay off all or part of the debts from the debtor’s future income. You can use Chapter 13 to prevent a house foreclosure; make up missed car or mortgage payments; pay back taxes; stop interest from accruing on your tax debt (local, state, or federal).

Next Steps

The decision to file bankruptcy requires close scrutiny of your finances, income, and lifestyle. It requires looking at your present situation as well as what your financial picture will look like after the bankruptcy is complete. If considering or even if you just have questions about bankruptcy you should consult an attorney. To help us better assess your case you may refer to our Bankruptcy Worksheet. This document will help you begin to organize and gather the information that will be needed in order to analyze your case and to appropriately file your petition


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