Our law office helps people file for chapter 7 and chapter 13 bankruptcy. The personal decision to file bankruptcy may be difficult. Unforeseen circumstances, such as job loss, medical bills, foreclosure, or divorce, may dramatically change anyone’s financial situation. Sometimes, bankruptcy is the only option. Whether you file chapter 7 or 13, once you submit the bankruptcy Petition, an automatic stay is immediately in effect. The automatic stay protects your property. Creditors must stop any attempts to collect, cease harassing phone calls, and stop legal proceedings, including foreclosures and garnishments. If you are behind on your bills and are considering bankruptcy, please call today for a free initial consultation.