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About Internet Safety
Please be aware that your computer use can be monitored and the web sites you visit can be tracked. If you are in danger, please use a safer computer, such as one in your local library.

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Our Bankruptcy and Credit Program

  • Our bankruptcy and credit program will help you face financial problems and understand how to resolve them
  • Our program can offer low to moderate income individuals the opportunity to repair their damaged credit and provide assistance for those struggling with unmanageable debt
  • We offer one on one consulations with an attorney to discuss your financial situation. During this consult the attorney will determine if you are eligible for Chapter 7 or Chapter 13 bankruptcy
  • We provide representation to those who are income qualified

What does Chapter 7 Bankruptcy Mean?

  • Total or liquidation bankruptcy
  • Debtors non-exempt assets are sold by the Chapter 7 Trustee and the proceeds distributed to creditors

What does Chapter 13 Bankruptcy Mean?

  • Debtor proposes a repayment plan
  • Creditors are prevented from collection activity and the debtor can keep non-exempt property
  • When the plan payments have been completed in 3 to 5 years the debtor is discharged

Credit Reporting Agencies

(Eligible for one free credit report per year)

EQUIFAX: (800) 685-1111

www.equifax.com
PO Box 740241, Atlanta, GA 30374
 
EXPERIAN: (888) 397-3742
www.experian.com
PO Box 949, Allen, TX 75013
 
TRANSUNION: (800) 916-8800
www.tuc.com
PO Box 390, Springfield, PA 75013
 
 

Call to Request Program Eligiblity