Chapter 13
Individual debtors who have a regular income (including those engaged in business) and who qualify via a financial means test can file a Chapter 13 bankruptcy to restructure or reorganize debt.
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Chapter 7
A Chapter 7 bankruptcy permits the debtor to liquidate assets in an orderly way. In Chapter 7 (also known as “straight” bankruptcy), a trustee is appointed. The trustee collects all nonexempt assets of the debtor, sells those assets, and distributes the proceeds to creditors.
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Debt Settlement
Our Debt Reduction or Debt Settlement Program (as we call it) is designed to reduce your unsecured debt burden through direct negotiation with your creditors. In this program, your creditors are contacted about your financial set-backs and offered a settlement deal in order to satisfy the balance of your credit cards, signature loans, hospital bills, etc.
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Tax Resolution
Although bankruptcy is often times your most workable option to eliminate back tax problems, it’s not always the best choice. Therefore, we also offer other solutions to deal with the IRS and State that could help you avoid having to file for bankruptcy.
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