Affordable Bankruptcy

The burden of debt brought on by joblessness, medical issues, divorce or an income that simply cannot meet our rising cost of living can negatively impact a person’s entire life. It can affect self-esteem, relationships and one’s professional life. Bankruptcy is not always the appropriate response to financial obligations and that is why we help our clients to explore all possible alternatives to bankruptcy including debt settlement and credit counseling. If bankruptcy is appropriate, you are in great hands. Our compassion, experience and work ethic will help you get the fresh start that you deserve and that economic freedom provides. In addition, we counsel our clients on strategic methods to rebuild their credit after bankruptcy.

In our commitment to provide quality service at an affordable price, we work with our clients. We are proud to be able to offer convenient payment plans and to offer bankruptcy assistance in Washington, D.C., Maryland, and the Northern District of Illinois.

​We thank you for visiting our website and are here to meet your needs.

Chapter 7

In Chapter 7 bankruptcy, most (if not all) of your unsecured debt– medical bills, credit cards, unsecured loans, etc– is eliminated. A Chapter 7 bankruptcy is ideal if you do not have a significant amount of assets and your debt exceeds more than you could ever reasonably repay. Upon filing, most of your creditors are prohibited from continuing collection activities, such as shutting off your utilities, garnishing your wages, or going after your bank account, car or other property.

Chapter 13

A Chapter 13 bankruptcy allows you to repay your creditors a reduced percentage of your debt under an affordable repayment plan. Common reasons to consider filing a Chapter 13 bankruptcy include the threat of foreclosure, the repossession or threatened repossession of your vehicle and in some cases the suspension of your driver’s license. A Chapter 13 bankruptcy can provide significant debt relief and protection from creditors.

U.S. Trustee Approved Credit Counselors

Before you can file for bankruptcy, you must receive credit counseling from an agency approved by the United States Trustee’s office. Below please find U.S. Trustee approved credit agencies for the District of Columbia, Maryland, and the Northern District of Illinois: