Some of the Solutions a Bankruptcy Can Give You

Stop garnishments immediately.

Stop a mortgage foreclosure or property tax forfeiture.

Stop the repossession of a car.

Stop IRS harassment, cancel certain taxes, and for other taxes, set up your own payment plan amount.

Prevent your tax refund from being taken by a creditor.

Prevent a lien from being placed on your home.

Protect your asets (bank accounts, cars, homes, pension accounts, life insurance, social security, boats, motorcycles, inheritance, claims you have for compensation, etc.) from being taken by creditors through court seizure orders.

Lower your monthly car payment.

Lower the total balance owed on your car, while keeping it.

Remove second mortgages from your home and have them cancelled.

Give you 5 years to catch up on any mortgage arrearages.