When you decide to file for bankruptcy, it is not a decision to be taken lightly and there will be a lot involved to ensure the process goes smoothly and you get the outcome that you deserve. A bankruptcy decision is best for those looking to stop creditor harassment, constant billing overload, and is meant to create the peace of mind as a residual effect. Bankruptcy is a clean slate for most our clients and we cannot emphasize how positive it can be to change life. The Law Offices of David Gardner has extensive experience working with bankruptcy laws. Mr Gardner is transparent about what you can expect and find the best resolution for your need. Reach out today if you want to find out more about how Mr Gardner can help you. Look at some of the areas we specialize in:

Chapter 7

Chapter 7

Liquidation bankruptcy (Chapter 7) should always be handled by an attorney because as laws change and complications arise, you'll want an expert on your side that is proactive in handling these situations. Mr Gardner is here to make sure that you file everything correctly and that each aspect is given the proper attention. This law of Bankruptcy code provides "liquidation" or the sale of a debtor's nonexempt property. In different cases, we can help you reduce debt or find alternatives to adjustments or settlement of debts.

Chapter 13

Chapter 13 will be similar to Chapter 11, but there will be differences that you'll want to understand before making your decision. You can repay creditors and other lenders, and you'll want to have someone to guide you so that you understand what debts you will be paying back in full. This chapter is traditional called the wage earner's plan. Under this chapter a debtor structures a repayment plan for financial installments and has up to three to five years to pay back any debts for said repayment plan.