What Can Bankruptcy Do for Me?

Bankruptcy may allow you to:

Eliminate the legal obligation to pay most or all of your debts. This is called a “discharge” of debts. It is designed to give you a fresh financial start.

Stop a wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.

Stop a utility disconnection or force a utility company to re-connect you.

Stop foreclosure on your house  and allow you an opportunity to catch up on missed payments.  Bankruptcy may also help with mortgage modification ( make this clickable to a new page entitled “Mortgage Modification Mediation).

Prevent repossession of a car or other property, or even force the creditor to return a car after it has been repossessed.