Bankruptcy Law

A fresh start towards financial freedom

Your Path to Financial Relief

At Carter Law & Associates, we understand that overwhelming debt can be a significant source of stress for individuals, families, and businesses. Our bankruptcy practice is dedicated to helping clients navigate the complexities of federal bankruptcy laws to achieve a fresh financial start. We provide compassionate, confidential, and effective legal representation to protect your rights and assets.

Stop creditor harassment
Prevent foreclosure and repossession
Eliminate or restructure debt
Get a fresh financial start

Types of Bankruptcy We Handle

  • Chapter 7 Bankruptcy: Also known as liquidation bankruptcy, Chapter 7 allows for the discharge of most unsecured debts, such as credit card bills, medical bills, and personal loans.
  • Chapter 13 Bankruptcy: This involves creating a repayment plan over three to five years. It is often a good option for individuals who have a steady income and want to keep their property, such as a house or car.
  • Chapter 11 Bankruptcy: Typically used by businesses, Chapter 11 allows a company to reorganize its finances and continue operating.

The Bankruptcy Process

1

Initial Consultation

We will review your financial situation and determine if bankruptcy is the right option for you.

2

Filing the Petition

We will prepare and file all the necessary paperwork with the bankruptcy court.

3

Meeting of Creditors

You will attend a meeting with the bankruptcy trustee and any creditors who choose to attend.

4

Discharge

Once you have completed all the requirements, the court will issue a discharge, which eliminates your legal obligation to pay the discharged debts.