Bankruptcy & Debt Relief

Credit card and medical debt, personal loans, old judgments, wage garnishments, bank levies, deficiency balances after repossession, collection lawsuit

Catch-up on mortgage arrears, stop a pending foreclosure, reduce car payments, consolidate tax and consumer debt, manage HOA assessments, cure missed payments while keeping assets

Halted repossessions, stopped wage garnishments, frozen bank levies, paused collection lawsuits, corrected post-discharge collection, cleaned up inaccurate collector communications

Lump-sum payoffs, interest/fee reductions, structured payment plans, debt validation requests, cease-and-desist letters, settlement letters that prevent “zombie” balances, coordinated pay-down strategies

Income-driven repayment setup, SAVE plan reviews, consolidation choices, default recovery, administrative discharge options, servicer error corrections, partial-relief strategies

IRS/state tax balances, liens and levies, unfiled returns, payroll/941 issues, trust-fund exposure, penalties and interest, payment plans, offers in compromise, innocent spouse claims