Stop the calls. Keep your home.
Chapter 7 and Chapter 13 consumer bankruptcy in Arkansas and New Mexico. Handled remotely — intake, documents, and the §341 meeting are all done by video. Most clients never set foot in a courthouse.
Admitted: Supreme Court of Arkansas · Supreme Court of New Mexico · U.S. Supreme Court
What I do
Chapter 7 liquidation and Chapter 13 repayment plans for individuals and families. The first call is free, the fee is flat, and the work is done remotely except where the court requires otherwise.
Chapter 7 — Liquidation
For clients whose income is below the state median or who otherwise qualify under the means test. Most unsecured debts — credit cards, medical bills, personal loans, deficiency judgments — are discharged. Typical timeline from filing to discharge is roughly four months.
Chapter 13 — Reorganization
For clients with regular income who need to catch up on a mortgage or vehicle loan, address tax debt, or whose income disqualifies them from Chapter 7. A three- to five-year repayment plan replaces creditor collection with a single court-supervised monthly payment.
What to bring to the consultation
- Your last two years of tax returns
- Your most recent two paycheck stubs (or year-to-date if self-employed)
- A list of who you owe and roughly how much
That is enough to tell you which chapter fits, what the filing will cost, and what your life looks like the day after.
What bankruptcy actually does
There is a lot of bad information out there. Here is what bankruptcy is, plainly.
The automatic stay
The moment your case is filed, federal law freezes most creditor activity against you — phone calls, lawsuits, wage garnishments, repossession of vehicles you can still pay for, and most foreclosure sales. That is not a delay tactic; it is a federal court order with teeth.
The discharge
At the end of the case, the bankruptcy court enters an order discharging eligible debts. Discharged debts are gone. Creditors cannot sue you, garnish you, or report continued obligation on your credit. Some debts — recent taxes, child support, most student loans — survive; we will tell you exactly which on the first call.
What you keep
Most clients keep their house, their car, their retirement, and their household goods. State exemptions and the federal exemption scheme protect a meaningful amount of property. The only way to know what your case actually looks like is to walk through it once, and that walk-through is the free consultation.
Five courts deep.
Admitted to practice before the highest courts of the United States, two state supreme courts, a tribal court, and the federal immigration agency. One attorney, broad federal reach.
Get Started
Free 30-minute consultation.
Call, email, or send a short note — whatever you have, that's the start. There is no charge and no obligation. If your matter is outside what I do, I will tell you and, where possible, point you to someone who does.
Free, 30 minutes, scheduled by phone or email.
Prague office opening 2026 for European visa clients.
Evening calls available for European clients on request.