Bankruptcy does not have to be such a scary word. We know it can be a very tough decision to claim bankruptcy, and we know it can seem like a complicated process. In some cases, it’s the decision that changes your life for the better. The Bankruptcy Code changed in 2005, and now there is what’s called a “means test” which tells officials if you qualify to file under Chapter 7 or 13 Bankruptcy. We will work with you and review all of your documents and paperwork to help figure out what is the right path for you.