Jay F. Moritz

Bankruptcy is a Second

(2nd) Chance Legal Program

Federal Laws were enacted a long time ago to give individuals, families, and businesses a second chance at life. Bankruptcy laws were passed to enable persons to get out from under their debts to have a normal life.  Now, thanks to bankruptcy, individuals are able to either provide payments to their creditors or not have to pay them at all without having to receive constant harassment by telephone, mail, and other methods of collections for bills that could never be paid. Bankruptcy provides individuals, families, and businesses a second chance to a fresh start at rebuilding their lives and their credit worthiness.  I can assist clients in filing bankruptcy under either Chapter 7 or Chapter 13 procedures which are determined after our first FREE consultation with clients.