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A bankruptcy discharge can wipe out most of your debts. Most people can keep their home, property, car, bank accounts and household possessions. Of course there are some exceptions and in this site I will try to help you understand bankruptcy.


Bankruptcy is About Starting Over

Sometimes average Americans find themselves in out of control situations, like losing a job, losing a loved one or a serious illness, which keeps them from paying the debt that they have incurred. This may be at the fault of no one, but it is reality.

A Second Chance

For most people, filing bankruptcy is considered the last resort, but actually it could provide a “second chance.” Filing bankruptcy can relieve stress and provide the opportunity to rebuild your life, your finances and strengthen their family.

Those Who Consider, Usually File.

Most people who consider filing bankruptcy will eventually go through with the process and actually file bankruptcy. They may not file immediately, but at least 90% of the people who consider filing will file within twelve months.

Debt Counseling

Some clients have already tried consumer debt counseling and have paid hundreds of dollars every month to a debt consolidation company, who will in turn pay their debts for them. Statistics have shown that at least 75% of the time, that process will fail and the person drops out of the debt management program, but only after they have paid out so much money on their debts that they will eventually have to file for bankruptcy.

Mr. Sliwinski, Esq. Can Help You Get Started Again

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