All of our cases are handled by attorneys within our firm, and you will get to know the attorney handling your case personally. All cases are filed by Mr. Gardner personally, who is responsible for the case from start to finish.

Cases under this chapter are available to individuals or companies looking to restructure debt. In the case of individuals with over $1,000,000.00 in secured debt, or $350,000 in unsecured debt, a chapter 13 may not be available as an option, so chapter 11 offers alternatives to allow such individual to restructure debts.

Filers under this chapter can avoid foreclosures and by using a chapter 13 repayment plan to catch up on delinquent mortgages, reduce debt on cars and other secured loans to the value of the collateral, eliminate second mortgages in many instances, restructure or eliminate tax and other debts.

Chapter 12 is an effective restructuring method for these individuals, allowing for reductions of mortgages and bank notes to the value of the collateral securing them, preventing foreclosures or repossession of assets and equipment.