Bankruptcy can serve as a Fresh Start and set you up for a successful financial future. Debt worries are a terrible burden to carry. Wouldn’t you like to have:

  • No more sleepless nights
  • No more threat of lawsuits and wage garnishment.
  • No more fear of answering your phone.
  • No more fear of losing your home, car and other assets.
  • No more feeling helpless because your creditors won’t work with you.
  • No more calls from bill collectors.

Most people with severe debt problems are eligible for bankruptcy relief. But anyone that has debt issues should consult with a Certified Specialist in bankruptcy law who can advise you if bankruptcy is an option for you and how it will affect your assets.

There are several different kinds of bankruptcy cases. We refer to these different types of cases as “Bankruptcy Chapters.” The actual bankruptcy law is officially called Title 11, United States Code. It is divided up into a number of different “Chapters” that offer different types of relief.

Each of the bankruptcy chapters is designed for a different purpose. Chapter 7, often called straight bankruptcy, is intended to relieve you from the burden of most ordinary debts, such as credit cards and other unsecured debts. Chapter 13 and Chapter 11 are reorganization cases. They allow the restructuring of certain types of debts and then let you pay them under new terms while giving you and your property court protection from creditors.

An experienced bankruptcy specialist can guide you towards the remedy that will work the best for your situation. The whole point of bankruptcy is to give you a Fresh Start. Misfortune and financial mistakes can strike anyone. Why spend the rest of your life paying for yesterday’s mistakes, if you don’t have to? Let us show you a better way, if there is one.

In Need of Legal Advice?

    Why we are qualified

    For the last 33 years, Leon Bayer and Jeff Wishman of Bayer Wishman & Leotta have specialised exclusively in helping clients with debt problems.

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