Chapter 7 and Chapter 13 solutions designed to protect income, assets, and long-term financial stability under federal bankruptcy law.
Bankruptcy is a federal legal tool designed to create stability — not a last resort.
Whether you are facing wage garnishment, foreclosure, overwhelming unsecured debt, or creditor pressure, federal bankruptcy law provides structured protections that can stop collection actions and allow for financial reorganization.
Our firm evaluates each case carefully to determine whether Chapter 7 liquidation or Chapter 13 repayment provides the most effective strategy.
Chapter 7 allows qualified individuals to eliminate most unsecured debts, including credit cards, medical bills, and personal loans.
In many cases, wage garnishments and collection efforts stop immediately upon filing.
This option is often appropriate when:
• Income is limited relative to debt
• Assets fall within exemption protections
• A fresh financial start is necessary
Before filing, we evaluate eligibility, exemption strategy, and long-term financial impact to ensure Chapter 7 is appropriate.
Chapter 13 provides a court-supervised repayment structure over three to five years.
It may be appropriate when:
• You are behind on mortgage payments
• You need to stop foreclosure
• You want to protect non-exempt assets
• You need time to reorganize secured debt
Chapter 13 allows structured repayment while maintaining asset protection.
Chapter 13 requires disciplined budgeting and consistent plan payments. We structure cases carefully to improve approval and completion success.
Filing a bankruptcy petition may stop:
• Wage garnishments
• Bank levies
• Foreclosure actions
• Repossession efforts
• Creditor harassment
Timing and eligibility depend on individual circumstances.
Our firm follows a structured, attorney-supervised workflow:
Bankruptcy filings require precision, compliance with federal procedure, and strategic planning.
Every case is attorney-directed and supported by a bilingual legal team trained in structured case management and documentation review.
Clients benefit from clarity, efficiency, and a process designed to minimize delays.
Timelines depend on document completion and case complexity and require original signatures.
Bankruptcy impacts credit history but may provide long-term financial stabilization.
Most clients attend a required 341 hearing. Many steps are handled remotely.
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