Radner Legal Services

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Bankruptcy is typically viewed as a last resort by most of our clients. Most people who have debts want to pay their creditors, but they do not want to be charged extremely high rates of interest that make it all but impossible to actually ever pay off the debt, and they don’t want to be harassed non-stop by their creditors. When creditors give you no other option, and you simply need a clean slate, bankruptcy may be right for you.

Bankruptcy is complicated and there are a number of different ways to "declare bankruptcy." Our attorneys know the various Chapters in the Bankruptcy Code and can assist you in making the best decision for your individual needs. Bankruptcy is a fresh start. It does not mean you did anything wrong; it simply means you need a fresh start.

Bankruptcy can seem very scary. Filing bankruptcy does not mean you are shirking your responsibilities, nor does it mean you are lazy. Sometimes, medical problems arise and the resulting medical bills are far too outrageously high to be able to pay back. Also, people can lose their jobs or have their paychecks cut. People can also be shocked to learn how high the interest rates of a credit card can climb, per the super-fine print on a credit card application.

When things such as the above mentioned events happen, very often the only way to recover is with a clean slate. That is what the United States Bankruptcy Code is all about. There are 4 Chapters of the Bankrupcty Code that are typically used (7, 11, 12, and 13) but the most common one used by our clients and the one that gives you the “clean slate” is the Chapter 7 bankruptcy proceeding.

The basics of each of these four chapters are as follows:

  • Chapter 7 Liquidation: Designed for debtors in financial difficulty who do not have the ability to pay their existing debts. See "Statutory Disclosures" link to the left for more details.
  • Chapter 11 Reorganization: Designed for the reorganization of a business experiencing financial difficulty. See "Statutory Disclosures" link to the left for more details.
  • Chapter 12 Family Farmer or Fisherman: Designed to permit farmers to pay back their debts over a period of time from their future earnings. See "Statutory Disclosures" link to the left for more details.
  • Chapter 13 Repayment of All or Part of the Debts of an Individual with Regular Income: Designed for debtors with regular income who will be able to pay a portion of their debts over a certain amount of time. This is similar to what we attempt to accomplish in our debt mediation program, but we attempt to accomplish settlements without the courts being involved. See Statutory Disclosures page for more details.

We are a debt relief agency. We help people file for relief under the Bankruptcy Code.

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