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You're struggling under a financial burden, and your creditors are on the phone every day. Steven M. Adler understands, and can help you find relief under the United States bankruptcy code. Make an informed decision between Chapter 7 and Chapter 13 bankruptcy, and begin your financial recovery now. Your initial consultation is FREE! We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code." DISCLAIMER: This website of the Law Offices of Steven M. Adler provides general information on bankruptcy as a public service. Information is intended - but not promised or guaranteed - to be current and correct. The content of the website should be construed as advertising. No attorney / client relationship is created by viewing the contents of this website, filling out and submitting any contact forms or requesting a free case evaluation. Don't listen to the politicians and the talking heads on TV. About 90% of the people who file for bankruptcy are not looking for an easy way out. Like you, they have simply reached the point where there is no way they can repay their accumulated debt. Steven M. Adler understands that you are embarrassed and confused. You may feel overwhelmed and in fear of your creditors, but this is where good legal advice can help. Through bankruptcy, you can make your creditors leave you alone, and you can make the move toward a future free of the devastating effects of debt. To catch up on delinquent mortgage payments or real estate taxes. In Chapter 13, a debtor can pay the delinquent amounts over a period of 36-60 months and protect their home from foreclosure. To restructure automobile loans with high payments, high interest rates, or payoff balances that exceed the value of the vehicle. To protect assets that might be subject to auction or sale in Chapter 7. By paying back creditors a percentage of their debt through a Chapter 13 plan,

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