Bankruptcy is one option. Not the only one.
I help individuals, families, and businesses facing debt they can no longer reasonably manage. My first job is to understand the financial picture and determine whether bankruptcy will actually improve it. Depending on the circumstances, that may mean evaluating Chapter 7, Chapter 11, or Chapter 13 bankruptcy, negotiating or settling debt, addressing foreclosure pressure, dealing with property burdened by debt, or considering another approach altogether.
Bankruptcy can provide powerful protections and a financial reset, but filing is not always the best answer. I look at the debts, income, assets, property, and immediate financial pressures involved, explain the available options and their consequences, and help determine a practical path forward. When bankruptcy is the appropriate choice, I take the case on personally, from preparation and filing through the bankruptcy process.
Debt Matters I Take On
- Chapter 7, 11 & 13 Bankruptcy Filings
- Debt Settlement & Bankruptcy Alternatives
- Judgments, Garnishments & Creditor Collections
- Foreclosure, Mortgages & Real Estate Debt
- Asset Protection, Exemptions & Secured Property
- Business Debt, Loans & Personal Guarantees
Attorney Guidance Through Difficult Financial Decisions
Financial trouble often comes with something else—a divorce, a struggling business, a property that will not sell, or another legal problem that affects the financial picture. Those connected issues can influence whether bankruptcy makes sense, when to file, which chapter to consider, and what may happen to your property and other assets. Filing without considering the larger picture can create consequences that might have been avoided. My experience in family law, real estate, business matters, and bankruptcy helps me identify those connections early and address the questions in the right order.
Bankruptcy Laws by State
Bankruptcy is federal, but what you can keep depends on your state's exemptions. Read my plain-English overviews of bankruptcy and exemptions in Idaho, Nevada, and California.