Most people want to pay their debts, and I have yet to meet anyone who is happy about filing bankruptcy. Despite sleepless nights caused by unpaid debt, and the harassing calls from debt collectors, I find that most of my clients spend a long time looking for alternatives before they contact my office. Yet sometimes uncontrollable events such as divorce, unemployment or illness leave a person with no choice; and when that occurs you need a bankruptcy attorney with both expertise in the bankruptcy law and an understanding of what you are going through. You need a bankruptcy lawyer who will listen to you and provide straight forward advice, someone who will help you avoid bankruptcy if possible and someone who can assist you with how to file bankruptcy if necessary.

Pat Hart has spent over ten years helping people with personal bankruptcies. He will search for the solution that best serves your problems, whether it is a chapter 7 bankruptcy, a chapter 13 bankruptcy, or whether it involves recommending you to a credit counselor who can offer relief without the necessity of retaining a bankruptcy attorney. As a CPA and a former attorney for the Internal Revenue Service Pat has a strong knowledge of finance as well as the bankruptcy law. He realizes that going through a bankruptcy is never easy, and he will be there when you have questions or concerns you need to discuss.

Bankruptcy Topics:

* Does Bankruptcy Make Sense For You

* Bankruptcy And Credit Ratings

* Stopping Home Foreclosure

* Can I Keep My House and Car in Bankruptcy

* Chapter 7 or Chapter 13

* Preferential Treatment of Creditors