At McGarvey and Park Law Firm, the first thing we do is make sure our clients understand that there is nothing to be embarrassed about when considering using bankruptcy laws to protect them and their families from unmanageable debt. Bankruptcy is simply a legal tool available to help fix financial problems. The law office provides legal services in the following areas: Chapter 7: The "straight bankruptcy" involves complete liquidation, but allows you to keep basic property (typically your house and cars), while wiping out eligible debt. Chapter 13: This form of personal bankruptcy requires a reorganization of debt and a repayment plan for some of your debts. It can often protect a homeowner from foreclosure. We also assist homeowners with loan modification, home mortgage restructuring and mortgage loan modification. In addition we take cases on Personal Injury.