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A Full Service Law Firm

EKECHUKWU LAW GROUP, P.C. represents individuals and businesses in Chapters 7, 11, and 13 bankruptcy proceedings. If you are suffering from severe financial burden and debt, bankruptcy filing can be the solution for you and in most cases for individuals; you may qualify under Chapter 7 or Chapter 13.

Chapter 7 Bankruptcy

If you qualify for Chapter 7 bankruptcy the majority of your consumer debt will be automatically discharged and gives you the opportunity begin a new financial journey. Filing Chapter 7 bankruptcy will do the following:

  • Wipes out consumer debt
  • Immediate halt of utility shut-offs and wage garnishment
  • Puts a stop to home foreclosure actions
  • Elimination of certain IRS debt
  • Discharge of medical bills
  • Puts a stop to creditor calls and messages
  • A halt on pending lawsuits
  • Stops license suspensions
  • Stops garnishments and wage assignments

Chapter 13 Bankruptcy

If you do not qualify for Chapter 7 bankruptcy, maybe because you have too many assets or make too much money and you have the following:

  • Behind in your Mortgage and/or Auto Payment
  • Foreclosure or Sheriff Sale Pending
  • Over-Financed Vehicles
  • Repossessions
  • High Interest Credit Cards and Loans
  • Payday Loans & Wage Deductions
  • Lawsuits & License Suspension & Parking Tickets

Chapter 13 bankruptcy may be an option for you. You may be considered for Chapter 13 if you earn a steady paycheck, whether through a job, or running your own business. Chapter 13 Bankruptcy will help you re-organize your bills, stop foreclosure, repossessions, garnishments and high credit card interest. Chapter 13 bankruptcy allows a debtor to pay off a portion of their debt in one monthly payment within 3-5 years and during the 3-5 year period; the interest owed on the unsecured debt can often be paid back at 0%.

Chapter 11 Bankruptcy

Chapter 11 bankruptcy is intended primarily for the reorganization of businesses with heavy debt burdens, most often associated with corporations but available to small businesses as well. Although it