The Law Office of Ricky Stern assists individuals and married couples with filing for consumer bankruptcy under Chapter 7 and Chapter 13 of the United States Bankruptcy Code. If you’re struggling to pay off debt, the bankruptcy process may be a solution to eliminate your financial stress.

Chapter 7 and Chapter 13 are different processes established by federal law. Each type of bankruptcy has different eligibility requirements. In both cases, the laws and process are complicated. Chapter 7 eliminates some debts completely. Chapter 13 restructures debt and sets up an affordable plan with lower payments that enables you to keep your property (like your home and car) and continue to pay off your debt under the supervision of the federal bankruptcy court. Each type of bankruptcy provides specific benefits to the bankruptcy petitioner.

Since bankruptcy has long-term financial and legal consequences, getting help from a bankruptcy lawyer is the best way to decide whether bankruptcy is right for you and which type of bankruptcy is appropriate for your circumstances. Determining eligibility for Chapter 7 or Chapter 13 is an important first step in the process. It requires detailed analysis of your financial situation. If you are eligible to file, we help you through the entire process, step by step. We provide personal service to each client, as well as professional advocacy in the legal proceedings.

The Law Office of Ricky Stern helps you analyze your situation, explains your bankruptcy options, and gives you all the information you need to make an informed decision about how to proceed. If you are eligible to file for bankruptcy, we represent you throughout the process to ensure compliance with all the requirements of the Bankruptcy Code.

Additional information about each type of consumer bankruptcy is provided on a separate page. We invite you to contact The Law Office of Ricky Stern to schedule a consultation to discuss your situation. Your first consultation is always free of charge and without obligation.