Stop Wage Garnishment & Foreclosure. Get a Fresh Start.

Initial consultations are $25. To start your case, we require a $500 down payment. For Chapter 7, the remaining fees and court costs must typically be paid before the case is filed. For Chapter 13, the remaining attorney fees can often be paid through your court-approved payment plan.

In most cases, yes. Chapter 13 bankruptcy is specifically designed to help you catch up on missed car payments and keep your vehicle. Even in Chapter 7, you can often keep your car if you are current on payments and the equity is within Arkansas exemption limits.

Yes. As soon as your bankruptcy case is filed, an 'Automatic Stay' goes into effect. This is a federal court order that immediately stops most creditors from collecting debts, including wage garnishments.

Yes. Filing for bankruptcy triggers the Automatic Stay, which halts foreclosure proceedings immediately. Chapter 13 is particularly effective for this, as it allows you to repay your mortgage arrears over a 3-5 year period while keeping your home.

Most unsecured debts like credit cards, medical bills, and personal loans are dischargeable. Student loans and recent tax debts are generally not dischargeable, though there are exceptions. We will review your specific debts during your consultation.

You will likely have to attend one meeting called the 'Meeting of Creditors' (or 341 Meeting). Currently, these are conducted virtually by phone or Zoom, so you can attend from home. We will be there with you to represent you.