If overwhelming debt has left you feeling anxious, stressed, or unsure where to turn, you’re not alone. Bankruptcy may provide the opportunity to eliminate qualifying debts, stop creditor collection efforts, and begin rebuilding your financial future.

At Alan J. Fisher, P.A., we understand that every financial situation is different. During your complimentary consultation, we’ll carefully evaluate your circumstances, explain your options, and determine whether Chapter 7, Chapter 13, or another financial solution is the best path forward.

What Debts Can Bankruptcy Eliminate?

Depending on the type of bankruptcy you file, many unsecured debts may be discharged, including:

• Credit card debt
• Medical bills
• Personal loans
• Certain judgments
• Other qualifying unsecured debts

Some obligations generally cannot be discharged, including:

• Most student loans
• Child support and alimony
• Most recent tax debts
• Debts involving fraud or intentional misconduct
• Certain court fines and penalties

Every case is unique, and we’ll explain which debts may or may not be eligible for discharge based on your individual circumstances.

Chapter 7 or Chapter 13?

Both Chapter 7 and Chapter 13 provide valuable debt relief, but they work differently.

Chapter 7 allows many individuals to eliminate qualifying unsecured debts and obtain a fresh financial start.

Chapter 13 reorganizes debt into an affordable repayment plan, allowing many people to protect their home, catch up on missed mortgage or vehicle payments, and regain financial stability over time.

During your consultation, we’ll help determine which option best fits your financial goals.

Do I Qualify?

Eligibility depends on several factors, including your income, assets, and the type of bankruptcy you’re considering.

If Chapter 7 is appropriate, we’ll review the required Means Test with you. If Chapter 13 is a better fit, we’ll explain how a repayment plan works and what you can expect throughout the process.

You don’t need to figure it out alone—that’s what we are here for.

Experienced Guidance. Practical Solutions.

Your fresh start begins with a conversation. Schedule your free consultation today.