Reclaim
your life.

Consumer bankruptcy is a legal process that helps individuals overwhelmed by debt get a real fresh start. The moment you file, a powerful federal protection called the automatic stay takes effect. It immediately halts most collection efforts — creditor calls, lawsuits, wage garnishments, foreclosures, and repossessions — giving you room to breathe while your case moves forward. For many people, it’s the first relief they’ve felt in months or years.

Often called a “fresh start” bankruptcy, Chapter 7 eliminates most unsecured debts — credit cards, medical bills, and personal loans — typically in just a few months. It’s designed for people with limited income who qualify under a means test. Most filers keep their essential property through exemptions and come out the other side debt-free.

Chapter 13 lets you keep your property while repaying some or all of your debt through an affordable plan that lasts three to five years, based on your income. It’s a strong option if you’re behind on a mortgage or car loan and want to catch up, or if you earn too much to qualify for Chapter 7. When the plan is complete, remaining eligible balances are discharged.

Chapter 11 is a reorganization option for individuals whose debts are too high to fit within Chapter 13’s limits, or whose finances are too complex for Chapter 7. It lets you restructure what you owe and keep valuable assets while you continue to earn. Though best known as a tool for businesses, it can be a genuine lifeline for high-income or high-debt individuals who need a manageable path forward.