Some individuals have situations that require personal bankruptcy. We have helped clients who have gone through periods of unemployment, illness, divorce, and many types of financial hardship. Chapter 7 is considered a “liquidation.” Even so, the individual is permitted to keep certain exempt assets. Chapter 13 is a “Plan of reorganization,” for situations where the income or assets do not permit Chapter 7. We have helped hundreds of people emerge successfully from overwhelming debt. For more information fill out the contact form below.