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Filing a personal bankruptcy is one of the most significant financial decisions you will make in your life. There are a multitude of factors to consider. Sometimes a bankruptcy causes more harm than good. That's why you need experienced bankruptcy counsel who take the time to learn about you, assess your financial circumstances, and explain in simple terms whether and how a bankruptcy filing can help you.     

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Get Rid of Debt. The bankruptcy discharge forever eliminates your unsecured debts, including credit cards, medical bills, and personal loans. It gives you a fresh start and allows you to move forward unhindered by old debts.  

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Stop Collections. A bankruptcy filing imposes an automatic stay, which immediately stops all collections, levies, and garnishments against you and your property while the bankruptcy case remains pending. Upon receiving a discharge, creditors are forever stopped from attempting to collect discharged debts against you or your property.

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Protect Your Home and Retirement. Most debtors are able to protect all of their property from bankruptcy administration with smart use of state and federal exemption statutes. This lets you keep your property while discharging your debts.

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Avoid Judgment Liens.  Judgment liens can attach to your real and personal property and threaten your continued ownership. In bankruptcy, debtors can avoid judgment liens against their property to the extent the liens impair their exemptions.  

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Reestablish Credit. A bankruptcy filing remains on your credit report for up to 10 years. However, a bankruptcy filing may actually improve your credit score by discharging your unsecured debt and removing those derogatory comments from your credit report.