Bankruptcy is often a good way to stop foreclosures, harassment by bill collectors and to erase unpayable debts. Many people are experiencing housing and employment problems right now in these difficult economic times.

Bankruptcy may not be the only way out. Attorney Bowen began her law career representing banks and creditors. At that time she found that people experiencing financial problems need good legal representation. 

With all the talk about Bankruptcy, you may be wondering what options are available? Most ordinary people, whether it is one spouse filing Bankruptcy alone or a husband and wife filing jointly, fall into either Chapter 7 or Chapter 13.

• Chapter 7 is known as a “Liquidation.” Most all of the debts are simply "wiped out" in a Chapter 7. In exchange for the “fresh start” with a clean financial slate, some debtors (people filing Bankruptcy) must give up some assets.
• Chapter 13 is known as a “Reorganization” for individuals. It helps consolidate their debts into one monthly payment. Creditors (people to whom money is owed) are paid either in full or partially over a three or five year period. At the end of the repayment period, most debts not paid off in full, are discharged anyway.

Your situation matters and Anne-Marie Bowen isn't just another attorney, she's your ally. "I help people in financial distress find peace."  Call today to sit down and discuss your situation especially when creditors won’t work with you, or you are too far gone financially.