We have submitted an article about debt problems and bankruptcy (codified under Chapter 7 of the Bankruptcy Code) as a type of relief from overzealous creditors elsewhere on this site which you may read by clicking  here .  You should then read the article that our office has on this site about Chapter 13 Bankruptcy, which is sometimes referred as a "Wage Earner Plan," by clicking  here .  These two articles are certainly not exhaustive, but should give you a good idea about the type of relief that the United States Bankruptcy Code makes available to the average debtor or small business.

When our office is consulted by a potential debtor under either Chapter, we request that certain information be brought in to us.  This information is necessary for us to analyze the debtor's particular financial situation.  After meeting and discussing with a client their individual situation, we make a recommendation which the client may or may not follow.  This recommendation is made without obligation, and no fee is charged for this initial meeting with the client(s).

Once a case is taken, there are certain obligations owed by this office to the client and certain obligation owed by the client to us.  We require that an agreement be signed by both us and the client(s) which sets forth these obligations.  A copy of this agreement is reproduced within this site and may be read by clicking  here .  In the case of a petition having been filed under Chapter 13 (wage earner plan), we also provide an information guide to the client, a copy of which may be read by clicking  here.

Although appearing to be simple, a proceeding under any Chapter of the United States Bankruptcy Code can be complicated, and each case is individual with its own problems.  We will be happy to attempt to answer any other questions regarding this area of the law if you will give us a telephone call.