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Experienced bankruptcy attorneys helping you eliminate debt, stop collections, and get the fresh financial start you deserve. Free evaluation available.

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0+ Clients
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0% Discharge
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Our Services

Complete Debt Relief Solutions

From Chapter 7 liquidation to Chapter 13 reorganization, we provide every bankruptcy and debt relief service you need.

Chapter 7

Complete debt elimination for qualifying individuals. Discharge unsecured debts like credit cards, medical bills, and personal loans in as little as 4 months.

Chapter 13

Reorganize your debts into a manageable 3-5 year payment plan. Keep your home, car, and assets while getting caught up on past-due payments.

Means Test

Expert analysis to determine your eligibility for Chapter 7 or Chapter 13 bankruptcy. We identify the best path for your specific financial situation.

Creditor Negotiation

Aggressive negotiation with creditors to reduce balances, stop collection calls, prevent wage garnishments, and halt lawsuits.

Asset Protection

Strategic planning to maximize exemptions and protect your home, retirement accounts, personal property, and essential assets throughout bankruptcy.

Post-Bankruptcy Credit

Guidance on rebuilding your credit score after discharge. We provide a roadmap to financial recovery and long-term stability.

Who We Help

Debt Relief for Every Situation

No matter the source of your financial distress, we have the experience and strategies to help you find relief.

Overwhelmed by Credit Card Debt

  • Discharge unsecured balances
  • Stop interest accumulation
  • End collection harassment
  • Fresh financial start

Facing Foreclosure

  • Automatic stay protection
  • Mortgage modification options
  • Chapter 13 catch-up plans
  • Home preservation strategies

Medical Debt Crisis

  • Full medical debt discharge
  • Protection from collectors
  • No income requirements for Ch. 7
  • Compassionate guidance

Small Business Owners

  • Business debt restructuring
  • Personal liability protection
  • Chapter 11 alternatives
  • Operational continuity planning
Why Choose Us

Your Path to Financial Freedom

We combine compassion with aggressive advocacy to deliver the best possible outcome for your case.

Free Evaluation

Your first consultation is completely free. We assess your situation and provide honest guidance on whether bankruptcy is right for you.

99% Discharge Rate

Our meticulous case preparation results in one of the highest discharge rates in the region. Your fresh start is our priority.

Stop Collections Now

The moment you retain us, we begin the process to stop creditor calls, wage garnishments, lawsuits, and foreclosure proceedings.

Affordable Payment Plans

We believe financial distress shouldn't prevent you from getting help. Flexible payment plans available for all services.

Client Stories

Real People, Real Fresh Starts

See how FreshStart Legal has helped thousands of people reclaim their financial freedom.

FreshStart Legal changed my life. I was drowning in $85,000 of credit card debt and couldn't see a way out. They guided me through Chapter 7 and I was debt-free in 4 months. I wish I had called sooner.

P
Patricia A.
Chapter 7 Client

I was about to lose my home to foreclosure. FreshStart filed Chapter 13 and stopped the sale just days before auction. Three years later, I'm caught up on my mortgage and still in my home.

D
Daniel F.
Chapter 13 Client

After my business failed, I had over $200,000 in personal guarantees. The team at FreshStart was compassionate, knowledgeable, and strategic. They gave me the fresh start I needed.

S
Steven & Maria C.
Business Bankruptcy Clients
FAQ

Common Questions

Everything you need to know about bankruptcy, debt relief, and your path to a fresh start.

Chapter 7 eliminates most unsecured debts in 3-4 months but requires passing a means test. Chapter 13 reorganizes debts into a 3-5 year payment plan, allowing you to keep assets like your home. We analyze your situation to recommend the best option.
In most cases, no. Bankruptcy exemptions protect your primary residence, vehicle (up to certain equity limits), retirement accounts, and personal property. Chapter 13 specifically allows you to keep all assets while catching up on payments.
Chapter 7 remains for 10 years, Chapter 13 for 7 years. However, many clients see credit score improvements within 12-18 months of discharge. We provide post-bankruptcy credit rebuilding guidance as part of our service.
Yes, immediately. Filing bankruptcy triggers an automatic stay that stops all garnishments, collection calls, lawsuits, and foreclosure proceedings. In urgent cases, we can file an emergency petition within 24 hours.
Chapter 7 attorney fees typically range from $1,500-$2,500, plus court filing fees of $338. Chapter 13 fees range from $2,500-$4,000 and can be included in your payment plan. We offer flexible payment plans and your initial consultation is free.
Student loans (in most cases), child support, alimony, recent tax debts, criminal fines, and debts obtained through fraud generally cannot be discharged. However, eliminating other debts makes these remaining obligations much more manageable.
Get Started

Free Debt Evaluation

Fill out the form below for a free, confidential evaluation of your financial situation and debt relief options.

100% free and confidential. No obligation.

You Deserve a Fresh Start

Stop living under the weight of overwhelming debt. Our experienced bankruptcy attorneys have helped thousands of people just like you find financial freedom.

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