Family Law

• Child Support
  It is a court protected repayment plan that stops actions against you, the debtor, by creditors while the plan is in effect (usually for three to five years). The debtor can keep enough of his income to pay the ordinary necessary living expenses, usually car payments and mortgage payments too, child support, and other items, BUT any income over and above that must go to unsecured creditors. Most debts that can’t be paid within the term of the plan (3 to 5 years) are discharged.

Finance Law

• Bankruptcy
  A Chapter 7 Bankruptcy is a complete “discharge” of all or most unsecured debts, like medical bills, credit cards, signature loans, etc. Secured loans (like cars and home mortgages) must be paid and kept current if you want to keep that property.
• Foreclosure
  When you have a large mortgage arrearage or a mortgage foreclosure pending and you want to try to save your home.