Sometimes the bravest
step is starting over.
Bankruptcy
Times are tough. Sometimes bad things happen to good people.
We understand and are here to help. Whether you need to reorganize or discharge your debt, we can help. Give us a call.
Bankruptcy is not a moral failure — it is a legal tool, written into federal law specifically so families can recover from circumstances that often were not their fault. Used wisely, it can stop the calls, halt the lawsuits, and give your household real breathing room to rebuild.
Chapter 7 — Discharge
A clean reset, when the math no longer works.
Chapter 7 bankruptcy is what most people picture when they think about bankruptcy: it eliminates eligible unsecured debts — credit cards, medical bills, certain personal loans, and many older debts — and gives you a true fresh start. For many of our clients, it is the right answer when income simply cannot keep up with what is owed.
Eligibility runs through a means test based on Indiana median income. We walk you through that calculation up front so you know whether Chapter 7 is on the table before you commit to the process.
Chapter 13 — Reorganization
A repayment plan you can actually live on.
Chapter 13 lets you reorganize your debts into a court-supervised repayment plan that typically runs three to five years. It is especially powerful when you want to keep a home you have fallen behind on, catch up on a vehicle loan, or protect a co-signer who would otherwise be exposed.
We design the plan around your actual budget — what's coming in, what has to go out, and what is realistically left for creditors — and then defend that plan through confirmation and the years that follow.
Stop the Pressure
The automatic stay puts the calls on pause — by law.
The moment a bankruptcy case is filed, federal law imposes an automatic stay that immediately halts most collection activity — phone calls, letters, lawsuits, wage garnishments, and bank levies. For many clients, that silence is the first time in months they have been able to think clearly.
We help you understand exactly what the stay covers, what it doesn't, and what to do if a creditor tries to violate it.
Foreclosure & Repossession
Bankruptcy as a real tool to keep your home or car.
If you are behind on a mortgage and a sheriff's sale is on the horizon, Chapter 13 can stop the sale and let you cure the arrears over time while staying current on the regular payment. It is one of the most common and most powerful uses of the bankruptcy code.
The same approach can protect a vehicle from repossession or, in some cases, restructure the loan amount itself. We will tell you honestly whether your numbers support keeping the asset or whether letting it go is the cleaner path.
A Fresh Start
Discharge isn't the end — it's the beginning of rebuilding.
Most clients are surprised at how quickly credit can begin to rebuild after a bankruptcy discharge. Without the weight of old debts dragging the credit profile down, scores often start moving in the right direction within months, not years.
We talk plainly with you about what to expect after discharge — secured cards, on-time utility and rent reporting, and the ordinary disciplines that turn a fresh start into a stable financial life.
What to Expect
A predictable process, explained one step at a time.
We start with a confidential conversation about what you owe, what you earn, what you own, and what is keeping you up at night. From that picture we can usually tell you within one meeting whether bankruptcy is the right tool, which chapter fits, and what the likely outcome looks like.
From there, we handle the paperwork, the credit counseling requirements, the trustee's questions, and the court appearances. You will know what is happening at every stage — no surprise invoices, no jargon, no judgment.
Confidential Consultation
You don't have to figure this out alone.
Whatever the numbers look like, there is almost always a path forward. Call us for a private conversation about what your real options are.