Practice Area
Bankruptcy Law
If you feel overwhelmed by debt, come and talk to a bankruptcy law attorney at our firm. We are one of the only law firms in the area that primarily focuses on bankruptcy.
Recover Your Financial Peace of Mind
Bankruptcy is a legal tool designed to give individuals and families a fresh financial start. At Arnold Law Offices, we have handled thousands of bankruptcy cases and understand how overwhelming debt can feel. Our goal is to guide you through the process with clarity and compassion.
We primarily focus on two types of personal bankruptcy: Chapter 7 and Chapter 13. Each has distinct advantages depending on your financial situation, income, and goals.
Chapter 7 Bankruptcy
Chapter 7, often called "liquidation bankruptcy," allows eligible individuals to discharge most unsecured debts — such as credit cards, medical bills, and personal loans — relatively quickly, typically within 3–6 months. It provides immediate relief from creditor calls and collection actions through the automatic stay.
Chapter 13 Bankruptcy
Chapter 13, known as a "reorganization bankruptcy," allows you to keep your assets while repaying debts over a 3–5 year plan. It is ideal for individuals who have regular income and want to catch up on mortgage arrears, car payments, or other secured debts while protecting their property.
How We Can Help
- Free initial consultation to evaluate your situation
- Determine which chapter of bankruptcy is right for you
- Prepare and file all required bankruptcy paperwork
- Represent you at the meeting of creditors
- Stop creditor harassment and wage garnishments
- Guide you through the entire process from start to discharge