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Experienced Bankruptcy Lawyers Who Understand Your Needs

At Villamor Law, we know how overwhelming mounting debt can be. Our expert bankruptcy attorneys guide you through the entire process, providing compassionate and effective legal counsel. Whether you are considering Chapter 7 or Chapter 13, we help you find the best solution for a fresh financial start.

Trusted legal expertise in bankruptcy law.
Personalized, one-on-one attention.
Fast and efficient filing process.
Free initial consultations.

The Benefits of Filing for Bankruptcy

Filing for bankruptcy provides a clean slate and allows you to regain control of your financial future.

Eliminate Unsecured Debt: Wipe out credit card debt, medical bills, and more.
Stop Foreclosure: Save your home through Chapter 13 bankruptcy.
End Collection Harassment: Stop creditor calls, wage garnishments, and legal actions.
Rebuild Your Credit: Use this fresh start to improve your credit score over time.

Attention to Detail

Prompt Response

Payment Plans

Choice of Appointments

Chapter 7 vs. Chapter 13 — Which Is Right for You?

Choosing the right path is key to your success.

Chapter 7

Liquidates assets to eliminate most unsecured debt. Ideal for those with limited income. Typically completed in 3–6 months.

Chapter 13

Reorganizes debt into a manageable 3–5 year payment plan. Allows you to keep your assets. Best for those with regular income.

How the Process Works

Free Initial Consultation: We review your financial situation and explore your options.
Filing the Petition: we prepare and file your petition with the court.
Automatic Stay: Once filed, creditors are legally stopped from pursuing you.
Bankruptcy Hearing: We represent you and guide you through the necessary court steps.
Discharge or Repayment: Debts are either discharged (Chapter 7) or the repayment plan begins (Chapter 13).