Law Offices of James D. Lukowiak, P.C.

Chapter 7
Need a fresh start - In a Chapter 7 Bankruptcy most debts are discharged and in the majority of circumstances you can keep your car and house if you are current with your payments.
Need time to catch-up - A Chapter 13 Bankruptcy allows you to repay your creditors over a period of time. Some debts must be repaid in full; others are paid in part; some may not be paid at all.
Chapter 13
Whether you have experienced a loss of a job, reduced income or rising expenses that have impact on your ability to pay your bills, rising debt can become overwhelming and unmanageable without assistance.