Bankruptcy and debt problems

We are attorneys providing debt relief advice and representation. We help people obtain debt relief under the Bankruptcy Code and other laws.

Let's face it, being in financial trouble is scary.
Whatever the reason (repossession,foreclosure, job loss, divorce, injured and out of work, or just being over your head in debt) life is out of control. Our first goal is to help you take control of your life. We help you look at all your options so that you can make the choice that is right for you.

For more about foreclosures and how to deal with them, click here

See our Bankruptcy Resources page for some useful help in planning and budgeting.

Bankruptcy is part of an overall plan for you to take back control of your life.
Bankruptcy is certainly part of this, but it is only part. We help you develop a long-term plan so that if at all possible, your bankruptcy with us is your last. We want to help you with solutions that work for you, and a long-term plan, not just quick fixes.

Many of our clients are businesses, or now have or previously had businesses in trouble. Again, we help you determine whether bankruptcy is worthwhile, or whether one of the alternatives to bankruptcy makes more sense. Click here for more about the problems that put businesses into bankruptcy. We can also help business owners deal prudently and effectively with the personal impact of a business failure.

For this reason, we do not promise "24 hour" turnaround time (although we have filed bankruptcy that quickly is some cases).

More than ever, making mistakes is costly.
What impresses us from twenty-plus years of bankruptcy experience is that too many people end up finding out too late that their bankruptcy did not work out the way they planned. They end up losing the home or car they had hoped to save. They end up being sued by a creditor or a trustee, or worse yet, they end up having their family sued.

Under the new bankruptcy laws that went into effect on October 17, 2005, the margin for error has gotten smaller. For example, if your bankruptcy case gets dismissed, you may have to wait another 12 months before filing another in order to stope creditor suits, foreclosures or other collection activity. Or you may find yourself caught by the "means test".

However, bankruptcy is still available for most people, even after the new bankruptcy laws (2005 BAPCPA). If you have an experienced guide, bankruptcy is still available and can work to give you the help you need!

Before you file bankruptcy, make sure your professional adviser takes the time and has the knowledge and experience to give you the right answers.

Steven R. Neuner our bankruptcy partner, has seen these mistakes played out first-hand, as a trustee himself or as an attorney for other trustees, or in representing creditors. He has filed or presided over hundreds of bankruptcy cases and proceedings over the past 24 years. For more about him and his background click here

How we can help you take control of your life.
Feel free to call us, after you have reviewed our disclosure page. The initial telephone consultation is always free.

Usually, we will want to see you in the office. To make the best use of that meeting, we urge you to download and fill out our client questionnaire, (click here if you have a business, or click here if otherwise). If you have Microsoft Excel, you can download and complete our personal budget spreadsheet

For more resources and information please see our pages on: Frequently Asked Questions, and Links to Important Resources on Bankruptcy, Resources on Credit, and Avoiding Identity Theft.

We will take the time to talk over with you all your options and to help you with the planning process that will help you take control of your life. When you leave our offices, you will either have a plan or be.

IF YOU WOULD LIKE OUR HELP, WE ASK YOU TO CALL US AT (856) 596-2828 FOR AN APPOINTMENT. Please first read a notice about bankruptcy required by the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 by clicking here: