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Chapter 13 saved our house and gave us hope.

Maria and David were three months behind on their mortgage due to unexpected medical bills and a temporary job loss. Foreclosure proceedings had already started. With Attorney Peter Lawrence’s help, they filed for Chapter 13 bankruptcy, which allowed them to stop the foreclosure and restructure their mortgage payments. Today, they’re caught up and still living in the home they raised their kids in.

I was drowning in credit card debt after a layoff.

Jason lost his job during a corporate downsizing and relied on credit cards just to keep up with bills. He was facing lawsuits and wage garnishments. Attorney Lawrence guided him through a Chapter 7 bankruptcy, which eliminated over $40,000 in unsecured debt. Within two years, Jason had a new job, a savings account, and had even improved his credit score.

Bankruptcy helped me keep my car.

A single mother, Tanisha was at risk of having her car repossessed, which would have cost her the job she commuted to daily. Through a Chapter 13 bankruptcy, she was able to catch up on her auto loan while keeping up with other necessary expenses. The plan gave her peace of mind and the ability to support her family.

We didn’t want to lose everything we worked for.

Retired couple Jim and Evelyn found themselves in financial trouble after co-signing a loan for a family member who defaulted. Their credit cards were maxed out, and they feared losing their retirement savings. Attorney Lawrence helped them file for Chapter 7, which wiped out their unsecured debts and protected their retirement accounts.

I felt like I could finally breathe again.

After a difficult divorce, Amanda was left with joint debts and reduced income. Her stress levels were at an all-time high. With guidance from Attorney Lawrence, she filed for Chapter 7 and eliminated the debts she was unable to pay. She’s now focused on building a future for herself and her children.

My only regret was not doing it sooner.

Thomas waited years to consider bankruptcy, worried about the stigma and his credit score. After finally filing, his debts were discharged, and he began the process of rebuilding his credit. Within 18 months, he was approved for a car loan and had re-established a solid credit history.

Bankruptcy gave me options.

Jason had racked up significant private student loan debt after attending a for-profit college that shut down shortly after he graduated. With limited job prospects and interest piling up, he found himself using credit cards just to make minimum loan payments. After a consultation with Attorney Lawrence, he learned that while federal student loans are typically non-dischargeable, certain private loans can sometimes be challenged in bankruptcy. Through a strategic Chapter 7 filing, several of Jason’s private loans were discharged, and the rest became manageable. He now has a stable job and a path forward without being buried in debt.

Bankruptcy let me live my second chance.

After a sudden cancer diagnosis, Maria faced months of treatment and time away from work. Even with insurance, the out-of-pocket costs, co-pays, and uncovered treatments quickly piled up. Once she recovered, she was left drowning in over $80,000 of medical debt. Embarrassed and overwhelmed, Maria met with Attorney Lawrence and discovered that bankruptcy could help her eliminate most of her medical bills. Filing for Chapter 7 gave her the financial reset she desperately needed, allowing her to focus on staying healthy instead of stressing over every bill.

Grateful for the chance to start over at 45.

After a difficult divorce, Mark was left with joint debt, a single income, and overwhelming legal fees. Despite working full-time, he couldn’t keep up with the financial obligations from a life that no longer existed. Filing for bankruptcy helped him wipe the slate clean, regain control of his finances, and begin building a stable future on his own terms.

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