Bankruptcy Lawyers

A Fresh Start, Handled the Right Way

Debt has a way of snowballing — medical bills, missed payments, and mounting interest can turn into daily calls from collectors and the threat of losing your home or car. Bankruptcy exists precisely for situations like this, but choosing the right chapter and filing correctly makes a real difference in what you keep and how fast you recover.

Consumer Lawyers of America walks you through your options honestly, including whether bankruptcy is even the right move, and handles the filing from start to finish.

How We Can Help

Determining whether Chapter 7 or Chapter 13 fits your situation
Stopping creditor calls, wage garnishment, and collection lawsuits
Foreclosure and repossession defense
Filing paperwork and representing you at the creditors' meeting
Guidance on rebuilding credit after discharge

Common Questions

Most unsecured debts like credit cards and medical bills are typically dischargeable. Certain debts — like most student loans, recent taxes, and child support — usually are not. We'll review your specific debts.

Not necessarily. Bankruptcy exemptions protect certain property, and Chapter 13 in particular is often used specifically to catch up on a mortgage or car loan while keeping the asset.

It will show on your credit report for several years, but many clients see their score begin recovering within a year or two as they rebuild with on-time payments and reduced debt load.

Chapter 7 typically discharges eligible debts within a few months but may involve liquidating non-exempt assets. Chapter 13 sets up a 3-5 year repayment plan, often used to keep property you'd otherwise lose. We help determine which fits your goals.

A Fresh Start, Handled the Right Way

How We Can Help

Common Questions

Tired of the calls and the stress?