At Carmichael Isaak, we realize financial difficulties can impact you, your family, your career, and even your health. If you are experiencing financial difficulty we may be able to help you. The Bankruptcy lawyers at Carmichael Isaak will be committed to getting you debt relief and providing you with valuable information, services and advice to get you a better financial future.

Bankruptcy

Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start. Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you. There are two types of bankruptcy available to most consumers: Chapter 7 and Chapter 13. Chapter 7 (Straight Bankruptcy) seeks to wipe out (discharge) your debts, while allowing you to keep your "exempt" property. Chapter 13 (Reorganization or Debt Consolidation) allows you to pay some or all of your creditors over a period of three to five years, while keeping property that you might otherwise lose.

Filing Bankruptcy: Could it Be Right for Me?

When you're dealing with mounting bills, we know it can feel like you're spinning your wheels in debt; but you have the power to regain financial control. Filing bankruptcy may be able to help you get out of debt and get back to living. Bankruptcy may be a debt-relief option for you if you:

• have a lot of credit card debt and can't catch up
• are behind on mortgage or car payments
• are facing foreclosure or repossession
• are only making minimum monthly payments
• are laid off and can't pay the bills
• have a large amount of medical bills
• are having difficulty making it from paycheck-to-paycheck

Call 1-866-DEBT FREE to schedule a free appointment with a Carmichael Isaak bankruptcy lawyer today to see if a Chapter 7 bankruptcy or Chapter 13 bankruptcy may be able to get you DEBT FREE.