Jacquelyn Ann Snyder

Clients use this form of bankruptcy to achieve a real fresh start. Most cases are completed in less than 6 months. Most debts are discharged completely, including credit card and medical debt. Clients use this form of bankruptcy to escape from unaffordable mortgages and vehicle payments. It is also helpful to stop garnishments and stop utility shut offs.

This is often referred to as the "Repayment Bankruptcy" and lasts from 3-5 years. Clients use this form of bankruptcy if they need to catch up on their home or vehicles, to get relief if they have some income available to pay creditors, or if they have recently filed a Chapter 7. Chapter 13 Bankruptcy is also an option for debtors who have certain assets they are not willing to lose subject to a Chapter 7 liquidation bankruptcy.

Foreclosure defense representation can be beneficial for homeowners who need help communicating with their lenders or need more time to finish loan modification agreements. Representation is more effective the earlier it begins for these cases. Cost of representation begins at an affordable level.