Michael Adam Reichert

Chapter 7 bankruptcy is a great way for people to eliminate credit card debt, medical bills, payday loans, utility bills, and many other debts without having to repay anything. Chapter 7 is known as a "fresh start" bankruptcy, where you wipe out all your debts, so you can rebuild your credit and your life. Eliminate debts, stop lawsuits and garnishments, while protecting and keeping your wages and property. This is what an experienced bankruptcy lawyer can provide.

Chapter 13 bankruptcy is as a debt consolidation plan that reduces or eliminates most debts. Roll all your debts into one affordable monthly payment to the court. Stop foreclosure and give yourself 48 months to get caught up on payments. Reduce your car payment to a level you can affford by reducing interest and even principal! Eliminate in most cases 90% or more of your credit cards, medical bills, etc. Pay back only a small fraction of those and the court wipes out the rest!