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Mickler & Mickler is a law firm devoted exclusively to the practice of bankruptcy law.

Our attorneys and staff have extensive experience with all aspects of bankruptcy law. Whether to file bankruptcy and, if you do, whether to file Chapter 7 or Chapter 11 or Chapter 13 will depend on your unique circumstances.

If you are behind on your home mortgage payments and want to save your home, you may want to learn more about Chapter 13 bankruptcy. In addition to saving your home from foreclosure, Chapter 13 may also allow you to reduce your monthly expenses such as by reducing your monthly car payment.

What is bankruptcy?

If you are renting a home or current on your home mortgage payments, but are burdened by medical bills or credit card debt...

Then you may want to learn more about Chapter 7. Chapter 7 allows you to eliminate debt, keep exempt property, without paying money to creditors. In addition to allowing you to keep property while eliminating unwanted debt, Chapter 7 may also help you avoid a deficiency stemming from a repossessed car or foreclosed home. Although typically associated with businesses, an individual may also file for Chapter 11.

If you are an individual and own multiple pieces of underwater real property, then you may want to consider a Chapter 11 filing. An individual Chapter 11 filing may help you to keep the properties while reducing the principal balance and interest rate for each of your mortgages.