Chapter 7 Bankruptcy Sometimes called "liquidation" bankruptcy, Chapter 7 cancels your debts, although it can involve a court liquidating (selling) some of your property for the benefit of your creditors. Even after changes in the law, e.g., a new ability-to-pay test, most debtors can still file for this type of bankruptcy. Get a FREE CONSULTATION and stop the stress.

Chapter 13 Bankruptcy Sometimes called reorganization bankruptcy, Chapter 13 is very different from Chapter 7 bankruptcy. Typically, Chapter 13 is the route for those who make too much income for Chapter 7 relief. In a Chapter 13 bankruptcy, you don't have to hand over any property, but you must use your income to pay some or all of what you owe to your creditors over time--from three to five years, depending on the size of your debts and income. Through Chapter 13, the Debt Eraser might be able to ELIMINATE YOUR SECOND MORTGAGE!

Fair Debt Collection The FDCPA stops some creditors from: calling relatives, neighbors, or your employer about a debt; calling before 8 AM or after 9 PM; contacting you at work; using obscenity or insults; suing you in a far away place; representing they are official or government; lying to you; threatening you with arrest. The FDCPA also provides for a mechanism to dispute debts. Sometimes creditors mistakenly claim old debts; a dispute might solve your problem.

Counseling To make a decision, you need all the information and truth. Newton's Law P.C. offers consultations to discuss consolidation, credit counseling, bankruptcy, and other remedies, their benefits and pitfalls, and which is right for you.