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

Chapter 7
GET A FRESH START: This means at the end of the bankruptcy, debts such as credit cards, medical bills, mortgages and car payments will be discharged.
KEEP YOUR HOUSE AND CARS: If you are current on your mortgage and/or car payments you can keep making the payments and keep your home and/or cars.
CREDIT SCORES INCREASE: In most circumstances credit scores increase after a year of filing bankruptcy.
NEW CREDIT CARDS: In most circumstances once your debt is discharged, you will again recieve credit card applications, which will allow you to begin rebuilding your credit.
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LAW SUITS: Stops most law suits.
WAGE GARNISHMENTS: Stops your wages from being garnished.
HARASSING PHONE CALLS: Stops Collection Calls.