Bankruptcy Case Highlights

CHAPTER 7

$100K CREDIT CARD DISCHARGE

A single mother overwhelmed by credit card debt received a full discharge of over $100,000. We protected her car and bank account in the process.

CHAPTER 13

SAVED HOME FROM FORECLOSURE

Client was 9 months behind on mortgage payments. We filed a Chapter 13 and created a plan to catch up and stop the foreclosure just days before sheriff sale.

EMERGENCY CHAPTER 7

STOPPED GARNISHMENT IN 24 HOURS

A wage garnishment had already taken two paychecks. We filed within 24 hours and recovered withheld wages while protecting all exempt assets.

JUDGMENT REMOVAL

CLEARED $165K JUDGMENT POST-DISCHARGE

After a successful Chapter 7, we removed a $165,000 judgment from the state court record — clearing the client’s title and enabling a smooth home sale.

SPANISH-SPEAKING CHAPTER 7

FULL-SERVICE EXPERIENCE

Helped a Spanish-speaking client from intake to discharge, including all communication, document prep, and 341 hearing support in Spanish.

CHAPTER 13

STOPPED REPOSSESSION AND CONSOLIDATED DEBT

Prevented a car repossession and structured a 5-year payment plan that also consolidated IRS and credit card debt into manageable terms.

BUSINESS OWNER CHAPTER 7

DISCHARGED $450K IN PERSONAL DEBT

Guided a self-employed client through dissolving a business and discharging over $450,000 in personal and business-related liabilities.

CHAPTER 13 CONVERSION

FROM DISMISSAL TO DISCHARGE

Took over a case from another firm. Converted a dismissed Chapter 13 into a successful Chapter 7 and secured the client’s discharge in a short amount of time.

SUBCHAPTER V CHAPTER 11

TRANSPORTATION BUSINESS REORGANIZED

Represented a small transportation company in a Subchapter V Chapter 11. Successfully negotiated with secured and unsecured creditors to restructure over $1 million in debt. Preserved the fleet, maintained operations, and confirmed a reorganization plan without liquidation.

SUBCHAPTER V CHAPTER 11

BUSINESS OWNER WITH $150K+ IN TAX DEBT

Filed Subchapter V for a self-employed business owner with over $150,000 in IRS and state tax debt. Structured a reorganization plan prioritizing non-dischargeable taxes while eliminating unsecured business and personal debt. Protected income, stopped levies, and ensured business continuity.

TRADITIONAL CHAPTER 11

CHURCH SAVED FROM FORECLOSURE

Represented a church facing foreclosure on its primary property. Negotiated a court-approved sale to pay off the lender and facilitated a smooth transition to a smaller facility. Confirmed a Chapter 11 plan that preserved the church’s operations and allowed the congregation to continue its mission.