When Debt Has
You Cornered,
We Find the Exit.

Chapter 7 discharges most unsecured debts quickly and is typically used by individuals or businesses with limited assets. Chapter 13 allows individuals to repay debt over three to five years while keeping property like a home. Chapter 11 is primarily a business reorganization tool that allows a company to restructure its debts and continue operating under a court-approved plan. The right chapter depends on your income, assets, goals, and the nature of your debts — we help you determine the best fit.

Yes. We represent individuals and businesses seeking debt relief, as well as lenders, trade creditors, landlords, and other creditors who need to protect and recover what they are owed in bankruptcy and insolvency proceedings. This dual perspective gives us a strategic advantage in any matter.

In many cases, yes. Chapter 13 bankruptcy is specifically designed to help individuals catch up on mortgage arrears and keep their homes. Even in Chapter 7, exemptions may protect your home equity depending on your circumstances. We review your specific situation to give you an accurate picture of what is at risk and what can be protected.

A workout is a negotiated agreement between a debtor and one or more creditors to restructure or settle debt outside of formal bankruptcy proceedings. It can be faster, less expensive, and less disruptive than a court filing. Whether a workout makes sense depends on your creditors, the nature of your obligations, and the urgency of the situation. We explore this option whenever it is in our client's best interest.

Absolutely. Our attorneys regularly handle contested matters including asset disputes, financial fraud claims, preference and fraudulent transfer actions, and bankruptcy discharge litigation. We are experienced litigators as well as negotiators, and we know when each approach is warranted.

Qualification depends on the chapter you are considering, your income, assets, and debt profile. Chapter 7 has a means test; Chapter 13 has debt limits; Chapter 11 has its own eligibility rules for businesses and individuals. The best way to find out is to schedule a consultation — we review your situation in full before recommending any course of action.

It helps to bring a summary of your debts (who you owe and how much), a list of your assets, recent tax returns, pay stubs or business financial statements, and any collection notices or legal filings you have received. The more context we have, the more specific and useful our guidance can be.