WHAT IS CHAPTER 7 BANKRUPTCY?
Known as “straight bankruptcy” 

Chapter 7 is a powerful tool that stops creditor activity. You can get rid of credit card debt, medical bills, repossession and foreclosure deficiencies.
If your tax bill is over three years old and you filed those taxes at least two years ago, many federal and state income taxes are dischargeable (wiped out).
You can exempt up to $175,000 in home equity.
From filing to discharge and financial freedom can take only three to four months.
We will work with you to get the best solution for your financial situation. We will only suggest bankruptcy filing if it is in your best interest. You may only need debt negotiation. Come in for a free consultation and financial check-up.
We have 20 years of experience. Know what your options are. Call us today.

WHAT IS CHAPTER 13 BANKRUPTCY?
Most often used by people who are behind on their mortgage, Chapter 13 is a strong financial tool. It even allows you to strip off a wholly underwater 2nd mortgage. It gives you the option of paying back the amount behind on your mortgage from 36-60 months and avoid foreclosure. Also, if you have a car worth $10,000, but you owe $15,000, you can propose to pay only the value.
Even if your taxes aren’t old enough to be dischargeable in bankruptcy, you can still pay them through a Chapter 13 plan and have a lower payment than with an IRS installment agreement.
WHAT IS WAGE GARNISHMENT?
“Wage garnishment” is the process through which a creditor garnishes your wages (takes part of your paycheck) to pay down debt. Most creditors must obtain a judgment against you before they can garnish your wages. Governments, however, are generally not required to obtain a judgment to garnish wages to collect on debt owed for unpaid taxes.
Typically, the sheriff serves paperwork on your employer that forces your employer to withhold a portion of your wages that is then sent to the sheriff. The sheriff then sends the money to a creditor, or creditors, who use(s) the money to pay down your debt.
Garnishments based on ordinary debt are generally limited to 25% of your pay (after taxes and after ‘mandatory’ deductions); but garnishments for some debt, such as unpaid child support, can be as high as 60%. In any case though, a garnishment may not leave you with a weekly amount of less than 30 times the hourly minimum wage.
A wage garnishment can remain effective until the entire amount of the judgment is paid off.