Bankruptcy & Debt

Filing is often the result of a job loss, divorce, injury, or medical condition — circumstances beyond anyone's control. Chapter 7 can discharge most unsecured consumer debt, including credit cards and medical bills, for clients who meet the means test. Chapter 13 instead sets up a three-to-five-year repayment plan, which can also be used to catch up on mortgage arrears and stop a foreclosure in progress.

The moment a bankruptcy petition is filed, an automatic stay goes into effect, immediately halting most collection activity — garnishments, repossession, and foreclosure included. We walk you through which chapter fits your situation and manage the filing from there.

Gray & Palmer is a debt relief agency. We help people file for relief under the Bankruptcy Code.