Ms. Patton’s office handles both Consumer Bankruptcy: Chapter 7 and Chapter 13.

Chapter 7 bankruptcies generally discharge or eliminate debt and leave consumers with a fresh financial start. There are no payments during the case. These bankruptcies typically take 3 1/2 months once filed in court.

Chapter 13 bankruptcies are structured around a repayment plan. They are a type of debt consolidation. People with higher incomes and more assets often consider chapter 13.

The type of bankruptcy you file depends greatly on your unique financial situation. Ms. Patton offers initial bankruptcy consultations at no charge to discuss the various factors involved. Please feel free to contact us and schedule an appointment.