bankruptcy Lawyers
Rest Easy. Find Relief from Debt, One Step at a Time and Turn Sleepless Nights into Peaceful Tomorrows. At Chapter7Guidance We Help You Breathe Again.
Area of Practice
01
Debt Consultation
Compassionate advice tailored to your needs, offering clarity, relief, and direction through overwhelming debt challenges.
02
Restructuring Advice
Practical strategies to reorganize debt, reduce financial stress, and help you move forward with confidence.
03
Financial Planning
Strategic guidance to manage resources, build stability, and create a secure foundation for your financial future.
04
Portfolio Management
Thoughtful strategies to protect investments, maximize growth, and keep your financial future on steady ground.
05
Credit Repair
Personalized guidance to repair credit, reduce obstacles, and create a stronger foundation for your financial future.
06
Litigation Management
We support you through legal challenges, coordinating strategies to safeguard assets and achieve fair resolutions.
There is no harm in asking for help; take the time and decide if now is the time to make the Bankruptcy Code work for you
We do not charge for consultation, so why not explore how a Bankruptcy petition can be put to use to squash harassing creditors and silence their threats once and for all?
6
Types of Bankruptcy Chapters
1,420
Average Number of BK petitions filed per day
$48k
Average Amount of Debt of Debtor Filing a BK petition
517,308
Total Number of BK petitions filed in the U.S. in 2024
★★★★★
I wish I would have contacted them sooner; I tossed-and-turned for months agaonizing over my mounting debt. It was destroying me and my family. I have heard so many myths about bankruptcy protection that were untrue. This process was the greatest blessing and it gave me my life back. THank you Michael & Barry!
– Michael Z.
Our focus is on the small details, allowing you to relax.
✓ Easy and hassle-free procedure
✓ harmless and confidential consultation
Frequently Asked Questions
Chapter 7 vs. Chapter 13?
Chapter 7 erases many debts quickly, while Chapter 13 reorganizes payments. The right choice depends on income, assets, and long-term goals.
How does Bankruptcy affect credit?
Bankruptcy will lower your credit score and remain on your report for several years. However, many clients begin rebuilding responsibly within months by using secured credit, paying bills on time, and following guidance—often reaching financial stability sooner than expected.
Are all debts dischargeable?
Most unsecured debts, like credit cards and medical bills, can be eliminated. Certain debts, like student loans, usually remain.
Will bankruptcy stop collections?
Yes, filing bankruptcy triggers an automatic stay, stopping calls, lawsuits, and garnishments while your case proceeds through the court system.
Will I lose my property?
Bankruptcy exemptions protect essentials like homes, vehicles, and personal items. With proper guidance, most people keep their most valued assets.