“My husband & I were in financial trouble like so many other people these days. We felt trapped, embarrassed and helpless until we talked to Attorney Usman. He reassured us in a very professional manner and did just what he said he could do. He guided us thru every step of the process and made sure we understood everything that would happen. He took the time to quickly reply to every phone call and email when we contacted him with concerns or questions. We put our total trust in him and we were not disappointed.” – Gail

Chapter 7
For those who wish to eliminate their debt entirely and make a fresh start, filing for bankruptcy under Chapter 7 may be the best solution. Chapter 7 protects certain exempt assets such as your home and automobile.

Chapter 13
Chapter 13 is typically used to stop foreclosures, pay taxes and reduce car payments. In chapter 13 you may even be able to wipe out a second mortgage that is upside down.

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