Get a Fresh Start with Chapter 7

Reorganize Debt with Chapter 13 Wage-Earner Plan

Our focus as attorneys is on consumer bankruptcy law as a tool to help our clients manage and resolve serious debt problems.  Debt problems must be faced squarely and brought under control through debt counseling and, if necessary, using appropriate bankruptcy tools. 

People facing financial difficulties are often under great stress and many have suffered misfortunes such as illness, disability,  loss of employment or divorce.   We believe such people should be treated with respect, and need the practical guidance of experienced professionals.

In addition to eliminating or reorganizing debt, part of our job is to help clients restore their creditworthiness after bankruptcy.   A persistent myth we encounter is that people who have filed for bankruptcy will never again be eligible for credit in the future.  

We counsel specific steps to go about repairing  and protecting creditworthiness after a bankruptcy filing.   If our advice is followed, all of our clients can have credit opportunities after bankruptcy.

We have limited our practice almost exclusively to consumer bankruptcy law.  This enables us to concentrate on providing expert and affordable bankruptcy services to our clients.

At Roberts & Hovenden, we offer free office consultations with an attorney and  flexible hours.  We hope you will call on us if your debt problems are beyond your control.