We handle everything – from filing papers in court, to negotiating with creditors to reduce your debt, to complying with bankruptcy trustee document production requirements, to preparing and filing homestead deeds, to developing a repayment plan and getting it approved by the Court and to making sure our clients have complied with all requirements of the Bankruptcy Code. Harbour Law, PLC, offers reasonable upfront fees for Chapter 13 and payment plans for Chapter 7 to help you reserve your money. 

Because everyone's circumstances differ, some solutions are more effective than others. It is important that you analyze your options with an experienced lawyer, so you thoroughly understand the ramifications of your ultimate choice. Alternative options include: 

  • Debt settlement
  • Credit card negotiation
  • Loan modification
  • Short sale 
  • Deed in lieu of foreclosure 

For many people, a bankruptcy filing actually increases their chances for improving their credit score. Instead of waiting for years and years until negative reporting falls off of your credit report, you can actually wipe out all or most of the negative items at one time and clean the slate. For many lenders, you are a better credit risk after your bankruptcy discharge than you were before. This happens because lenders know that your income is no longer threatened by wage garnishments from old creditors. In addition, the experience bankruptcy lawyers at our firm can offer you advice on strategies you can take after a bankruptcy filing to improve your credit score rapidly. 

All the twists and turns involved in each case can differ depending on any number of circumstances, such as the number and types of assets you have, your income, categories of your debts, pre-petition transfers of property, etc.  For this reason, to determine how much your Bankruptcy will cost, you should meet with an attorney and talk through all of your options and the fees involved. 

The attorneys at our firm offer free consultations so that you can discuss the specifics of your financial situation, whether or not a Bankruptcy is in your best interest, and the fees required for filing your petition with no obligation. 


Are you struggling with mounting debts that you can’t keep up with?


Chapter 11 is a form of bankruptcy that involves restructuring finances in order to repay debts over time.

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Chapter 13 bankruptcy allows debtors who have a regular income to keep their assets and repay their debts over time.

Need advice now? Your first consultation is free!
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The information contained on this website is presented for informational and marketing purposes only and is not to be understood as legal advice. You should consult an attorney for advice respecting your individual needs. Winchester, Pedigo, & Power, PLC looks forward to speaking with you about your particular needs. Please note, however, that the mere act of contacting our firm does not create an attorney-client relationship. As a result, you should never send any confidential information to our office until a Representation Agreement has been signed by both you and Winchester, Pedigo, & Power, PLC. 

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