Since the Bankruptcy Law changed in October 15, 2005, you should not make any decision on filing for bankruptcy protection until you speak with me regarding what is the best way to deal with your financial situation. Filing chapter 7 bankruptcy will eliminate harassing creditor(s) calls, stop wage garnishments, and release restraints on bank accounts. In most circumstances you can keep your house and car while discharging credit card and medical bills. We can also discuss how to discharge secured debt such as mortgage(s) and repossessed automobiles. Bankruptcy however, does not automatically eliminate all debt. Call today for a FREE Consultation and a fresh start. Most people are able to discharge and never have to pay back their credit card debt, medical bills and other personal loans while keeping their house and car. Finally, put an end to harassing phone calls and wage garnishments. Call today for a free consultation to speak with an attorney who will explain to you if a bankruptcy filing may or may not be best for you and what Chapter of bankruptcy may be best for you. Reasonable payment plans are available