If you’re in overwhelming debt, but you still have income, filing for Chapter 13 bankruptcy (also known as reorganization bankruptcy) may be a smart solution. There’s a lot of shame and misinformation about bankruptcy; people automatically assume that if you file, you will lose everything you own and permanently ruin your credit. That’s not actually what bankruptcy is! It doesn’t mean you’ve failed. It just gives you a legal way to restructure your debts and pay them off over a set period of time. Filing can stop creditor harassment and give you a fresh start. There are certain requirements you must meet in order to qualify, so you need the help of an experienced, knowledgeable local Chapter 13 bankruptcy lawyer who can explain your options and guide you through the process!

Attorney Michelle E. Murphy understands how daunting bankruptcy can seem, so she will do everything in her power to simplify and take shame out of the process. You can rely on her to listen to your story, review your financial situation, and then give you wise advice about what decisions to make and whether or not Chapter 13 bankruptcy is the right kind for you. When you work with her, you will always have access to an attorney who truly cares about your life and who will personally oversee the details of your case!. Call today to schedule a free consultation and learn more about how we can help!