Bad things can happen to good people. A job loss, a medical crisis, or a divorce can leave a family buried in debt through no fault of their own. Federal bankruptcy law exists to give honest people a fresh start, and we have helped thousands of Northwest Indiana families use it.
Chapter 7
Chapter 7 eliminates most unsecured debt, including credit cards, medical bills, and personal loans, usually within three to four months. Indiana’s exemptions protect a reasonable amount of equity in your home, your vehicle, retirement accounts, and household goods. Most of our Chapter 7 clients keep everything they own.
Chapter 13
Chapter 13 is a court-supervised repayment plan of three to five years. It can stop a foreclosure and let you catch up on missed mortgage payments, stop a repossession, address tax debt, and protect property that a Chapter 7 would not. At the end of the plan, remaining unsecured debt is discharged.
The moment you file
Filing triggers the automatic stay. Creditor calls stop. Wage garnishments stop. Foreclosure and repossession stop. Lawsuits stop. For many of our clients that first quiet week is the first real rest they have had in years.
Bankruptcy, problem by problem
Chapter 7 bankruptcy in Indiana: Chapter 7 wipes out credit cards, medical bills, and other unsecured debt in a few months. What it covers, who qualifies, and what you keep in Indiana.
Chapter 13 bankruptcy in Indiana: Chapter 13 stops foreclosure and repossession and lets you catch up over three to five years. How the plan works, what it costs, and who it fits.
Eliminating credit card debt in Indiana: Credit card debt is unsecured and is wiped out in most Indiana bankruptcies. Your options, what to expect from collectors and lawsuits, and when to call.
Medical bill debt in Indiana: Medical bills are the leading cause of bankruptcy and are fully dischargeable. How Indiana families deal with hospital debt, collections, and insurance gaps.
Stopping creditor harassment in Indiana: Collection calls, threats, and lawsuits have limits under federal law, and bankruptcy stops them entirely. What collectors can and cannot do in Indiana.
Stopping foreclosure in Indiana: Indiana foreclosure is a court process that takes months, and a Chapter 13 filed before the sheriff’s sale stops it. The timeline, your options, and what works.
Stopping wage garnishment in Indiana: Indiana lets a judgment creditor take up to a quarter of your take-home pay. How garnishment works, the limits, and how bankruptcy stops it the day you file.
Stopping vehicle repossession in Indiana: In Indiana a lender can repossess a car without a court order after default. How to stop it, get a repossessed car back, and deal with the deficiency balance.
Stopping a property tax sale in Indiana: Unpaid Indiana property taxes lead to a county tax sale, but you have a right to redeem the home afterward. How the process works and how bankruptcy can help.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Admitted to the Indiana bar at 24, the youngest licensed attorney in the state at the time, Miguel pairs that early start with more than fifteen years helping Northwest Indiana families through injury claims and bankruptcy.
Frequently asked questions
Will I lose my house or my car?
Usually not. Indiana’s exemptions and the structure of Chapter 13 are designed to let you keep the property you need. We will tell you exactly what is protected before you file.
How much does bankruptcy cost?
We quote flat fees for Chapter 7 and Chapter 13 cases after a free consultation, and payment plans are available. In Chapter 13, most of the attorney fee is paid through the plan.
Find out if you have a case. It costs nothing to ask.
Five minutes on the phone and you will know where you stand. You will not owe us a fee unless we recover money for you, and the bills get handled before the check does.
