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.
The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and e-mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.
Law Offices of James D. Lukowiak, P.C. helps people file for relief under the Bankruptcy Code and is a debt relief agency.
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.