Trusted Bankruptcy Attorneys Guiding You to Financial Freedom.
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Why Choose Loris Law?
Dedicated Bankruptcy Expertise
We don’t practice all areas of law; we focus intensely on bankruptcy. Our team understands the nuances of local courts, trustees, and federal laws, ensuring your filing is seamless, accurate, and structured to protect your maximum assets.
Immediate Debt Relief & Protection
The moment you retain Loris Law Firm, we step between you and your creditors. We take over the communication, meaning the harassing phone calls, collection letters, and threats of foreclosure or repossession stop immediately.
Compassionate, Judgment Free Guidance
Financial hardship can happen to anyone due to medical bills, job loss, or economic shifts. We provide a supportive, confidential environment where your financial recovery is our singular priority—without judgment.
Frequently Asked Questions
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What is the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 bankruptcy wipes out most unsecured debts (like credit cards and medical bills) entirely, usually within a few months. Chapter 13 bankruptcy reorganizes your debt into a manageable 3- to 5-year repayment plan, which is often used to stop foreclosure and save a home.
Will I lose my home or car if I file for bankruptcy?
Not necessarily. Most clients keep their primary residence and vehicle through bankruptcy exemptions. During your consultation, we look at your specific assets to ensure they are protected under the law before filing.
How does filing for bankruptcy stop creditor harassment?
As soon as your bankruptcy case is filed, the court issues an “Automatic Stay.” This is a powerful legal injunction that strictly prohibits creditors from calling you, sending letters, garnishing your wages, or continuing foreclosure actions.
Will bankruptcy ruin my credit forever?
While bankruptcy does impact your credit score initially, it also wipes out the delinquent debt that is actively dragging your score down. Many clients see their credit scores begin to recover and improve within 12 to 24 months of a successful discharge because their debt-to-income ratio drastically improves.
Can bankruptcy eliminate all types of debt?
Bankruptcy is highly effective at eliminating unsecured debts like credit cards, personal loans, and medical bills. However, certain types of debt generally cannot be discharged, including recent tax debts, child support, alimony, and most student loans.
What is the first step in the bankruptcy process with Loris Law Firm?
The first step is a confidential, no-obligation case evaluation. We will review your current income, expenses, and debts to determine if bankruptcy is the right path for you, which chapter fits your goals, and exactly how we can protect your financial future.