Practice Areas

Chapter 11

INDIVIDUAL CHAPTER ELEVEN Chapter 11 is available to chapter 11 debtors whose debts exceed the debt limit of 1,184,200 for secured debtors and exceed $394,725 unsecured debt. A chapter 13 is not available to the individual debtor with this amount of debt.   Chapter 11 is available to individuals in circumstances where the mortgages on...

Chapter 13

STOP FORECLOSURE OF YOUR HOME Chapter 13 is used to stop foreclose on your home.  Chapter 13 is  a bill consolidation or reorganization.  You can file a chapter 13 case if your home is in foreclosure.  You can file chapter 13 if you owe past due taxes.  Chapter 13 is designed to provide you with...

Chapter 7

CHAPTER SEVEN Chapter 7 bankruptcy is designed to relieve you of debts.  The most common debt that is discharged in chapter 7  are credit cards, money judgments, payday loans, lawsuits, personal loans and most other ordinary debts.  The chapter 7 case when filed with the Bankruptcy Court immediately provides you with an automatic stay.  The...

Creditors Rights

Personal Bankruptcy

The decision to file for bankruptcy is often one of the hardest choices that a person has to make in his or her lifetime. Poor planning can often make the process even harder. It goes without saying that filing for bankruptcy should be a last resort, and should only be done when all other methods...

Residential Real Estate

Buying or selling a home is the most significant financial transaction that many individuals undertake in their lifetime. While this can be an exciting time, without the proper legal guidance, the process can be frustrating, overwhelming and more expensive than necessary.  Even if there are no obvious disagreements between the Buyer and Seller, it is...

The New Bankruptcy Law

The Bankruptcy Abuse and Consumer Protection Act of 2005 went into effect on October 17, 2005 and provides the most significant (and controversial) overhaul of the bankruptcy system in over 25 years. Backed by the credit card, retail and banking industries, the new legislation makes it more difficult for people to erase all of their...