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"Discharged" means you get out of the debt in bankruptcy and basically do not owe it anymore.

Dischargeable debts include money judgments, short-term small loans, medical debts, credit cards, and deficiency balances owed due to repossession or foreclosure.

Student loans, child support past or present, personal injury due to drunk driving while under the influence of alcohol or drugs, and most taxes.

Also not discharged are loans secured by collateral that you reaffirm. If you want to keep your car or house and owe money on it, you continue to pay for it.

Click the button to the right to complete an online questionaire.
I will review it and respond to it, telling you if I think you can file for Chapter 7 bankruptcy relief.

WE ARE A FEDERALLY DESIGNATED DEBT RELIEF AGENCY PURSUANT TO TITLE 11 OF THE U.S. CODE.
WE PROVIDE LEGAL ASSISTANCE AND HELP PEOPLE FILE FOR BANKRUPTCY RELIEF UNDER THE BANKRUPTCY CODE.

Hire Us! You can download our client interview and fee agreement from this page, and mail it to us, bring it to your appointment, or wait to receive it from us in person. You can get a list of what we need from this page, and mail it in to us or bring it in person.

Simply click that grey box above to retrieve our client interview form and agreement.

We must review and get a copy of your auto, boat, or other titles, last 2 years' tax returns, last 3 months' bank statement, and last 6 month's pay stubs or statements for all adult persons who work within your household.

Simply click that grey box above to retrieve an up-to-date list of credit counseling agencies for the mandatory pre-filing counseling. For your benefit, we note which agencies offer the lowest prices for the counseling.

We have clients from all over the state. Most are local and, even if not, wish to meet me in person. However, we can do business by mail and need not meet until Court if transportation or distance is a problem.

About every other week, someone I never met in person mails me a completed interview form and documentation to prepare a bankruptcy. As long as I can ask you questions by e-mail or phone, it's not a problem for me to not meet you until when we appear in Court." - Joel K. Mitchell, Attorney-at-Law

You put your information on your website without all the mystery and fluff.

I'm disabled and have children, and you made it easy for me to not have to drive to retain you.

I'm so glad I found you. The attorneys around here were high and want money just to talk to me.