Chapter 7 Bankruptcy 56%

Chapter 13 bankruptcy 25%

Cases include Chapter 7 and Chapter 13 filings

Foreclosure 6%

I help clients when they can no longer pay their mtg or they are considering a strategic default or/and they are served with a foreclosure summons. I explore their needs, avenues, options, timing, strategies and usually file an answer for them or a Bankruptcy at that time or down the road. I have kept folks in their homes while they contemplate if they want to keep the home and modify the first mtg in Bankruptcy Court and strip junior unsecured home loans. I educate them on the effects of a

Consumer protection 5% 16 Years

Debt settlement 5%

Some clients have one or two large debts and they want to settle the case and not file a Bankruptcy. I explain that to the creditor and work out a payment plan over time or a lump sum payment. I go over the ramifications with the client, such as how it will look on their credit report and the 1099 they will receive and how to respond.

Identity theft 2% 12 Years

Credit repair 1% 13 Years