JASON S. BUCKINGHAM - Attorney and Counselor at Law

Bankruptcy is designed to give people like you a fresh start. Let us help you start over:

• Chapter 13 - reorganization plan

• Chapter 7 - liquidate unsecured debts

• Stop the harassing collections calls

• Stop a pending foreclosure

If you are considering bankruptcy, we understand that you have questions, and we're here for you to help you understand what bankruptcy can and cannot do. If your debts are causing you more stress than you can handle, then you owe it to yourself to find out if bankruptcy could give you some much needed relief.

Navigating the bankruptcy system, especially after the 2005 changes to the Bankruptcy Code, can be complicated. The forms of relief that may be available depend on the debtor's particular circumstances. To learn more, please contact us to arrange a free consultation.

Debt, Stress and Health

According to recent surveys of people just like you, here in the United States and throughout the world, money troubles are the greatest cause of stress in people's lives. This stress over finances has significant negative effects on health: from insomnia to severe depression and higher blood pressure.

Bankruptcy Basics

Chapter 13:
Chapter 13 is a reorganization plan.  It allows you to repay debts, such as missed house payments. This can be used to stop a foreclosure or repossession.

Chapter 7:
Chapter 7 is a liquidation plan. Generally, you are not required to pay anything to your unsecured creditors, with some exceptions, for debts like student loans and certain taxes.

Fees:
Court costs for filing a consumer bankruptcy average $300. In addition, court-mandated credit counseling will cost between $50 and $100. Because each individual case is different, attorney fees will vary. However, we offer very competitive fees.

For more information:

The US Courts provide a good basic overview of the basic bankruptcy process. The links below will take you outside of this web site:

• Chapter 7
  
• Chapter 13
  

The National Association of Consumer Bankruptcy Attorneys ("NACBA") also offers very good information in plain English about bankruptcy:

• bankruptcy school