Are you facing overwhelming debt? Does the prospect of paying that debt seem slim? If so, along with a little assistance from the Federal Bankruptcy laws, I can help.

Certainly, no one should face bankruptcy without an attorney. More's the point, no one should face bankruptcy without an attorney who makes them feel comfortable. You will have to be honest with your attorney about every aspect of your financial life. If your attorney does not make sure you feel comfortable, you are less likely to be as forthright with him or her as you should be.

I want to make you feel comfortable

My goal is not only to help debtors discharge as much debt as possible, but to help them discharge debt responsibly. If at our initial meeting, the facts do not necessarily imply bankruptcy, I may recommend other options.

When the facts do imply bankruptcy, however, I will work with you to help you get through the bankruptcy process. Because my own mother went through bankruptcy, I can understand the strange mix of emotions that come with a filing. My hope is that by understanding your emotional response to the process, I can help you get the most out of it. At the end of the day, I want to help you get the “fresh start” offered by the bankruptcy code.

Important Things to Know

Bankruptcy discharges primarily "unsecured" debt, which is debt that is not attached to any property or interest. However, if you have sufficient income, you can file for a Chapter 13 or "plan" bankruptcy, and find a solution to problems with your mortgage, or other secured debt. This usually means credit card debt or bills.

Bankruptcy cannot discharge your obligations to pay child support, and will not fend off the I.R.S.

While as a general rule, bankruptcy cannot discharge student loans, I am willing to help challenge that in what is called an "adversary proceeding." Because you cannot file for bankruptcy over and over again, it may be worth taking a flyer on discharging your loans, if you think you have a reasonable basis to do so, even if you are not 100% certain you will be able to discharge your loans.