Bankruptcy is not the end, it is the beginning.
Stop Forclosure
Stop Repossession
Stop Garnishments
Eliminate Debts
Get Your Licence Back

Start Fresh Today

Sometime life seems to get away from us despite our best efforts. There is no way to
prepare for a pandemic, there is no way that you can foresee the loss of employment,
or a sick family member; or worse a personal illness. Once we are weighed down by
the ups and downs of life how can we recover? Although you are working or have an
income now the financial responsibilities of the past are weighing us down with bill
collector calls, threats of garnishments, threats of eviction or foreclosure, threats of
vehicle repossession; you are not alone. My Fresh Start can guide you to the relief you
need and deserve, the relief that changed my life.

Chapter 7

Chapter 7 Bankruptcy is the simplest, most straightforward form of bankruptcy and is a legal excuse from paying most types of unsecured debts, such as credit cards and personal loans. In a bankruptcy case filed under chapter 7, you will file a petition with the Bankruptcy Court that lists all of your assets, liabilities, income and expenses, along with other relevant information. The basic idea is to show the Court that you qualify pursuant to Title 11 of the United States Code for a 'discharge of your debts. To be eligible for a discharge In a chapter 7 bankruptcy, you will wipe out your liabilities in exchange for your surrendering any property that is not 'exempt' under the law. In most Chapter 7 cases, however, all of your property will be exempt, so you will not actually lose anything by filing. Exempt property may include cash and cash equivalents, such as income tax refunds, basic household furnishings and clothing an automobile, most pension plans and even equity in your home. Generally speaking, almost all of the Chapter 7 cases filed by our firm are "no-asset" cases where everything our client owns is fully protected under the law and they are permitted to obtain a discharge of their debts while having no real risk to any of their property.

Chapter 13

Chapter 13 bankruptcy provides a means of relief for individuals struggling with debt who either may not qualify for Chapter 7 or whose circumstances might benefit from the additional relief provided under Chapter 13. It can be used by individuals to re-pay some or all of their debt over a reasonable period of time in order to protect assets that might be at risk in a Chapter 7 case or who might have too much income to qualify for Chapter 7. A bankruptcy case under Chapter 13 can also provide three or five years to repay income tax liabilities, catch up on past-due mortgage and car payments and/or provide temporary relief from student loans.

Chapter 11

In Chapter 11, a plan is submitted, much like in a Chapter 13 case. The filer has 120 days to propose a reorganization plan. The reorganization proposal must provide structure as to how the business will continue to operate. Normally, the plan will include information about downsizing the business, negotiating debts, and liquidating assets within the business. The purpose of the plan is to show creditors how they will be repaid and how the business will be able to continue running.

Whether a reorganization plan will be confirmed lies within the discretion of the bankruptcy court and depends on whether one or more creditors approve of a filer’s plan as well as any objections to the plan.
For a plan to be confirmed it must identify what business debts are outstanding, identify each class of creditors (priority, unsecured, secured), identify which creditors will be paid in full, and provide details explaining how the creditors will be repaid.