Many people have a lot of questions about bankruptcy. Kruszynski Law Office PLLC can provide you with the professional help to determine what is best for your individual circumstances. This website only provides general information and should not be relied upon as legal advice. Nor does submitting information through this website constitute an attorney-client relationship.

A  Chapter 7 bankruptcy is a liquidation bankruptcy that can eliminate most unsecured debt, such as credit cards. However, not all debt may be discharged in a Chapter 7 bankruptcy. If you have a car loan and/or a mortgage and you want to keep this property, you must continue making those payments. At the end of the case, you receive a discharge of your unsecured debt. A discharge is a Court order telling your creditors that you are relieved from paying your unsecured debts.

A Chapter 13 bankruptcy is a wage-earner bankruptcy. This bankruptcy establishes a plan for a person to pay some of their debt while discharging other debt. A Chapter 13 bankruptcy is a better choice for people who are behind on their mortgage and/or their car payments and who want to keep those items. A Chapter 13 bankruptcy also can help people who have other debts that cannot be discharged in a Chapter 7 bankruptcy. Again, Kruszynski Law Office PLLC can help you determine which type of bankruptcy is best for you.

Kruszynski Law Office PLLC has the experience of helping many people who found themselves in financial trouble with no relief in sight. Attorney Angela Kruszynski offers compassionate and focused attention to you and your case. She has the experience of filing over a 1,000 bankruptcies for Valley residents just like you. She understands that no one files bankruptcy until all other options and resources are exhausted. Evening and weekend appointments are available. And, for your convenience, she can meet with you in the privacy and comfort of your home. Payment plans are also available.

Don’t hesitate. It is possible for you to answer your phone without the worry of who is calling. You can open your mail without facing the angry letters debt collectors write. Kruszynski Law Office PLLC can help.

Please proceed to our Financial Survey to begin down the road to relief.