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      <image:title>Initial Consultation - We offer a free consultation to review your financial situation and determine what type of bankruptcy relief is most suitable.  We’ll ask you questions about your income, your assets and your financial obligations to determine whether Chapter 7 or Chapter 13 bankruptcy can help you regain control of your financial future. We’ll discuss how you will be protected from certain actions against you as soon as your petition is filed.</image:title>
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      <image:title>Chapter 13 - Chapter 13 bankruptcy is a solution for individuals that are having trouble paying off debt, but have too much income and assets to qualify for Chapter 7 liquidation bankruptcy. Instead of discharging debts, Chapter 13 sets forth a plan to help you make manageable payments for a period of three to five years. One of the best reasons to file for Chapter 13 bankruptcy is to prevent a looming foreclosure, or vehicle or furniture repossession by arranging for you to make affordable payments that help you keep your property.</image:title>
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