Several factors are considered when deciding which bankruptcy option is best for your personal circumstances. We strive to eliminate any confusion you may have regarding the complexities of the bankruptcy laws, and ensure you are given honest advice as to which option is best for you.

Chapter 7 Bankruptcy

A Chapter 7 bankruptcy provides you with a financial fresh start without the need to repay your unsecured creditors. Careful evaluation of your debts, assets and income will determine whether a Chapter 7 bankruptcy is the right solution for you.

Chapter 13 Bankruptcy

A Chapter 13 bankruptcy allows you to propose a plan for repaying your creditors over a period of three to five years. Clients choose to file a Chapter 13 for many reasons. For example, if their income does not allow for them to qualify for a Chapter 7 or, if they have assets that would not be capable of protection in a Chapter 7, the client may still obtain relief from their debts by filing a Chapter 13 bankruptcy.

A Chapter 13 bankruptcy can be used to protect your home from foreclosure by giving you time to pay the past-due mortgage payments while continuing to pay your monthly payment. A Chapter 13 bankruptcy can also be used to ensure you keep your valuable property that might otherwise be liquidated in a Chapter 13.

Bankruptcy Litigation

The Law Firm of Sarah Williams is prepared to provide bankruptcy clients with representation in any matter that may arise in a bankruptcy proceeding. Bankruptcy litigation requires a combination of sophisticated understanding of the bankruptcy laws and the knowledge required for complex litigation disputes. From contested matters regarding valuation to multi-million dollar adversary proceedings, Attorney Sarah Williams has the experience to represent you. Should your case develop contested matters, such as non-dischargeablity of debts, we are prepared to fight for your financial freedom.