We represent individual debtors in Chapter 7 (straight bankruptcy) and Chapter 13 (wage earner/payments bankruptcy). For individuals, we guide the debtor through the bankruptcy process, advising the debtor on the most appropriate bankruptcy chapter, how to protect assets and how to develop a strategy for obtaining a discharge. Filing for Bankruptcy is not for everyone, and we certainly recognize that sometimes you need someone to simply call a creditor to help negotiate a settlement. We always strive to ensure that our clients are fully informed throughout the process.