Wipe out credit card, medical, and most personal debt in about 3–4 months. Most clients keep their car and home.
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I'm not a lawyer — just general info. For legal advice, talk to Eugenio Ramos, Esq.
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What our clients say
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Eugenio explained everything in Spanish — every step, every paper. The garnishment stopped the day we filed. My family can breathe again.
After a medical emergency we had $48,000 in hospital bills we couldn't pay. Eugenio walked us through Chapter 7 — kept our car and house, wiped the debt in four months.
Other offices treated me like a number. Eugenio answered his own phone, in Spanish, on a Saturday. That alone told me I was in the right place.
I was three months behind on the mortgage and the bank set a sale date. We filed Chapter 13 the week before. The sale stopped immediately and we caught up over the plan. Still in the house four years later.