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The bankruptcy law was written to give all individuals the opportunity to receive a fresh start. The law allows you to either eliminate all of your unsecured debt by filing Chapter 7 bankruptcy or it allows you to pay your debt over time and to catch up on your mortgage, student loans, and back taxes to reduce the interest rate that you may be paying by filing a Chapter 13 bankruptcy.


Upon the filing of either type of bankruptcy, the bankruptcy law requires that all collection activity cease immediately. This includes telephone calls, garnishments, and all collection correspondence, in addition to all collection activity for student loans and back taxes to reduce the interest rate that you may be paying by filing Chapter 13 bankruptcy.

Filing for bankruptcy will give a consumer a fresh start with their credit. By filing either Chapter 13 or Chapter 7 bankruptcy, upon receipt of your discharge, you can begin to rebuild your credit since you will no longer have any unsecured debt to pay. My office can help you and show you how to rebuild

your credit.

You'll receive a more personal experience because Marc Levy is the sole attorney in his law practice.


A consumer can file for bankruptcy multiple times. If you filed for Chapter 7 within the last eight years, you may be eligible to file for Chapter 7 bankruptcy again. If you have previously filed either a Chapter 13 bankruptcy or a Chapter 7 bankruptcy, you may be eligible to immediately file another Chapter 13 bankruptcy under the proper circumstances.

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Rebuilding your credit

Filing for bankruptcy

You may not lose any personal property by filing a bankruptcy. In a Chapter 7 bankruptcy, in most circumstances, you will be able to keep your car by reaffirming the debt with the creditor. In a Chapter 13 bankruptcy, you can pay for your car through the Chapter 13 bankruptcy and reduce the interest rate and the payment that you are making on the vehicle. In most cases, when you file a Chapter 13 bankruptcy, you will not lose any of your property.

Your property during bankruptcy

Materials on this website are for informational purposes only. These materials do not constitute legal advice, should not be considered as legal authority, and do not create an attorney-client relationship. You should not act or rely upon these materials without seeking professional counsel. Sending e-mail also does not establish an attorney-client relationship. An attorney-client relationship can only be established by mutual written consent with an attorney. Unless and until an attorney-client relationship is established, e-mail and other communications sent may not be privileged.

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