Serious financial troubles can plague anyone at least once in a person's lifetime. Divorce and catastrophic illness or injury are often the cause of debts too large to manage without legal protection from creditors. Excessive use of credit cards can also lead to overwhelming debt.

Any individual, partnership, or corporation may seek protection from creditors by voluntarily filing a bankruptcy action with the court. Creditors may also collect on debts by filing an involuntary bankruptcy against a debtor. As your attorney, We will protect your rights and property while assisting you in using the law to solve your financial problems.

All five types of bankruptcy may be filed voluntarily:

• Chapter 7 - Liquidation or "straight" bankruptcy
• Chapter 9 - Municipal debt adjustment
• Chapter 11 - Reorganization
• Chapter 12 - Farmer's bankruptcy
• Chapter 13 - Wage earner's adjustment of debt