Consumer Bankruptcy


Guiding you to your best debt relief option
While choosing bankruptcy is a major decision — and not an easy one — it may be the best way to get out from under mounting credit card bills, medical expenses or other debt you can no longer pay. Bankruptcy may also provide a way to catch up on your mortgages and car loans, while avoiding foreclosure and/or repossession. 

With almost 20 years of experience in representing clients in bankruptcy, attorney Heyward Wall will evaluate your financial situation, discuss the debt relief options available to you, and counsel and guide you through the process.

We are a debt relief agency.  We help people file for bankruptcy under the U.S. Bankruptcy Code. 

Chapter 7 bankruptcy: a fresh start

Under Chapter 7 bankruptcy, you may be able to wipe out much of your unsecured debt. Unsecured debt generally includes credit card bills, medical bills, personal loans, and, in certain circumstances, even some taxes. Whether you qualify to file a Chapter 7 bankruptcy mostly depends on your income and the number of people in your household.  Determining if you qualify can be a complicated process, but if you can provide us with the appropriate financial information, we can make that determination for you.  

Chapter 13 bankruptcy: a chance to catch up

Many of our clients consider bankruptcy as a means to catch up on their home mortgages.  A Chapter 13 bankrputcy can give you up to five years to catch up any payments you have missed on your mortgage or car loan.  Your bank or mortgage company does not have to agree to this payment plan - if you can propose a feasible plan to catch up your payments, your lender has no say in whether or not the Court will approve it.  Once you are in a Chapter 13 payment plan, and you continue to make your plan payments, your bank is prohibited by federal law from continuing foreclosure proceedings or from taking any other action to collect from you.

Contact us today to discuss your debt relief options.  Bankruptcy consultations are always free.