Bob and Julia were just served with foreclosure papers on their home. They never meant to fall behind in their payments, but he was out of work for 3 months with a back injury and just couldn't help it. He's back to work now and tried to catch up the payments, but the mortgage company won't take any less than the amount needed to catch up the entire delinquency. Now, they won't even talk to Bob when he calls. He and Julia are both losing sleep over this thing, because they just don't have any place to move right now and their kids like the school they are attending.

Hello! My name is Ed Bailey. We see this type of situation all the time and we can help. The solution ... file a Chapter 13 bankruptcy. This immediately stops the foreclosure, which gives us time to work out a payment plan to not only catch up the house payments, but also to consolidate all of the other debts into one simple and affordable monthly payment. If you are in a situation like Bob and Julia, I sure hope you contact us right away to see what we can do for you. You can't wait too long though because, if a foreclosure action has been started, you need to file Chapter 13 early enough before the sale to get all of the preliminary work done.

Since 1985, I have dedicated my law practice entirely to representing individuals like you in Chapter 7 and Chapter 13 bankruptcies. I do not represent corporations (although we will handle cases for individuals with small unincorporated businesses), I do not represent creditors, and I do not practice in any other area of law. At present, my office files about 350-400 new bankruptcy cases every year.

Because I am focused on bankruptcy law only, I am able to offer knowledgeable and effective representation to all of my clients with serious debt problems. I stay on top of any new developments in, or changes to, the bankruptcy laws so that you can be assured that you have the best legal representation possible.

We employ the latest technology in the operation of this office, including the latest in document assembly, office administration/calendaring, electronic case filing, document imaging, etc. so that our office can provide these services efficiently.

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Since you are visiting this site, I assume that you may have financial problems and are considering bankruptcy as a possible solution. Please be sure to visit other pages at this site. For example, the getting started page gives you information on how to get started with the process; the faq page attempts to answer the questions most frequently asked of this office; and the contact us page allows you to send us your questions by email (from which we will continue to update the faq page) or to provide feedback to our office.