Bob and Julia were just served with foreclosure papers on their home.

They never meant to fall behind in their payments, but he was out of work for 3 months with a back injury and just couldn't help it. He's back to work now and tried to catch up the payments, but the mortgage company won't take any less than the amount needed to catch up the entire delinquency. Now, they won't even talk to Bob when he calls. He and Julia are both losing sleep over this thing, because they just don't have any place to move right now and their kids like the school they are attending.

Hello! My name is Ed Bailey. We see this type of situation all the time and we can help. The solution ... file a Chapter 13 bankruptcy. Here are some of the things that a Chapter 13 bankruptcy can do:

• It immediately stops all collection activity by all creditors. They may no longer call, write, sue, repossess, or do anything else to collect the debt.


• It immediately stops all lawsuits, including foreclosure actions ... dead in their tracks.


• It gives the homeowner a payment plan to catch up their missed payments over 5 years without any interest.


• In the payment plan, your purchase loans are refinanced at a low interest rate, and all unsecured creditors can be paid as little as 1% of their debt. This helps to greatly lower your monthly payment to creditors, so that you can afford to live.


• In some cases, it can completely get rid of second and third mortgages.


• In a Chapter 13 bankruptcy, you can keep everything you own.

Bankruptcy Law is a Specialty

Bankruptcy law requires specialized skills and you should not trust someone who claims to be a bankruptcy lawyer, but doesn't have much experience or knowledge of bankruptcy law or of the trustees, judges, and creditor attorneys at the bankruptcy court. If you're going to pay for a bankruptcy lawyer, you should make sure you get a good one. Understandably, however, with all of the advertising, it can be difficult finding the best bankruptcy attorney.

For over 25 years, I have dedicated my law practice entirely to representing individuals like you in Chapter 7 and Chapter 13 bankruptcies. I do not represent corporations (although we will handle cases for individuals with small unincorporated businesses), I do not represent creditors, and I do not practice in any other area of law. My office has filed over 6,500 cases, and presently files about 200-300 cases per year.

Because my practice is limited to bankruptcy law only, I am able to offer knowledgeable and effective representation to all of my clients with serious debt problems. I stay on top of any new developments in, or changes to, the bankruptcy laws so that you can be assured that you have the best legal representation possible.

We employ the latest technology in the operation of this office, including the latest in document assembly, office administration/calendaring, electronic case filing, document imaging, etc. so that our office can provide bankruptcy services efficiently.

Take Time to browse

Since you are visiting this site, I assume that you may have financial problems and are considering bankruptcy as a possible solution. Please be sure to visit other pages at this site. For example, the getting started page gives you information on how to get started with the process; the faq page attempts to answer the questions most frequently asked of this office; and the contact us page allows you to send us your questions by email (from which we will continue to update the faq page) or to provide feedback to our office.