What Can Bankruptcy Do for Me?

Bankruptcy may allow you to:

• Wipe out (discharge) your debts.  Bankruptcy eliminates your legal obligation to pay your dischargeable 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 missed payments.  Bankruptcy may also help with mortgage modification.
• Prevent repossession of a car or other property, or even force the creditor to return a car after it has been repossessed.