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Bankruptcy Defense

You or your business can declare bankruptcy once you have ascertained that it has become impossible to pay off your creditors. It can give you a chance to start over from a financial point of view, as most of debts are relieved after bankruptcy as been filed.

Chapter 7 or liquidation bankruptcy means that your “estate” – i.e., your assets is sold in order to pay off your creditors. A reorganization bankruptcy can also involve the selling of assets, but more often than not you can retain a majority of your assets while your creditors’ needs are assessed.

Reorganization bankruptcies can be filed under the following guidelines:

  • Chapter 9 – municipalities

  • Chapter 11 – businesses and individuals with many assets

  • Chapter 12 – farmers, fisherman

  • Chapter 13 – individuals with steady income

  • Chapter 15 – international cases

Contact us today to learn more about your options under the current bankruptcy laws.

We are here to help.