The bankruptcy objectives that Chapter 13 and Chapter 7 are usually able to accomplish include wiping out unsecured debts, stopping foreclosures, ending garnishments, putting a halt to repossessions, avoiding or reversing utility shut-offs, and blocking further debt collection phone calls, ultimatums, and threats.

Chapter 13 (and 7) provides exemptions that may allow filers to keep certain assets, but there are a lot of variables and it depends on individual circumstances. Unless you feel that your financial situation leaves you no other choice, declaring Chapter 13 bankruptcy (or Chapter 7) can and should be avoided if at all possible. While it’s true that Chapter 13 may give people who can’t satisfy their debts a “fresh start”, the repercussions of such a decision will keep resurfacing for years to come.

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What People Have to Say

I just wanted to thank your entire staff at The Law Offices of Leslie H. Tayne, for helping me get out of debt. If it wasn’t for your firm, I would have never been able to resolve my $13k worth of debt in less than 3 years. Your staff did a great job, I was finally able to buy myself a brand new car without using a cosigner. I can’t tell you again how happy I am. I would recommend your services to anyone.

L.C. Client 2007-2009

I sleep like a baby at night now because of the work that you and your office have done. Rest assured that I will refer anyone I know to your office with conditions that are similarly circumstanced.

R.S. Client 2012-2014

You have been very helpful at first directing me in the right direction when I had no clue how to go about handling everything, I really appreciated all your advice and help and hope we can work something out. Thanks again for all your help and kind words, and patience.

D.M. Client 2009-2012

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