A family faced with the perils of an adjustable rate mortgage.

A health crisis and not enough insurance to cover the bills.

A single parent struggling to raise a family on a limited income.

Honest, hard-working people who just want to do the right thing. These are the faces of our clients.

Maybe you’re behind on your mortgage. Perhaps you’re watching the credit card bills stack up on your kitchen table. You might be cringing every time the phone rings, thinking that it’s another call from a debt collector. Whatever the issue, you’re not alone.

Every year, millions of Americans wake up and realize that their financial situation is in shambles. More bills than income, more debts than assets. And they know that it isn’t going to get any better until they take some action.

For some, credit counseling is a way out. Others find that they can settle their debts by cashing out a 401(k) or refinancing a mortgage. But for many, filing for Chapter 7 or Chapter 13 is the answer.

In over twenty years as a consumer bankruptcy lawyer I can count on one hand the number of people who were happy to file for bankruptcy (and I’d have a few fingers left over). The truth is, nobody wants to file for bankruptcy. They want to pay their bills.

But sometimes, you can’t. When you’re faced with the choice of filing for bankruptcy or stopping a garnishment that doesn’t leave enough to let you pay for groceries, which do you choose? Which do you choose when you’re looking at a foreclosure on your home? Which do you choose when debt collectors are causing so much stress that your health and your family are suffering? The choice becomes easy—a Chapter 7 or a Chapter 13 may not only be your best option, it may be your only option.