A Fresh Start Is Possible.
We Can Help You Get There.
Financial hardship is a circumstance, not a life sentence. At Hemming, P.C., our dedicated bankruptcy representation is built around understanding your unique situation and fighting for your interests so we can place you in the best possible position to move forward.
Dedicated Bankruptcy Protection
At Hemming, P.C., our clients facing financial difficulty receive the same quality of care, attention, and advocacy as any client we represent. We begin every consultation by listening carefully to your situation, reviewing your complete financial picture, and providing you with honest, straightforward guidance about your options. If bankruptcy is the right path forward, we will tell you clearly and explain how we will fight for your interests through the process. If another approach may serve you better, we will tell you that too.
From the moment you engage our firm, you have direct access to an attorney throughout your representation. The bankruptcy process can feel complicated and intimidating. Our job is to demystify it for our clients, to stand beside you at every step, and to place you in the best possible position for the future you want to build.
What Bankruptcy Can Do for You
When it is the right choice for your situation, bankruptcy can provide meaningful and lasting relief. Depending on the chapter for which you qualify, filing for protection as a client of our firm may allow you to:
- Stop foreclosure proceedings and potentially save your home
- Immediately halt wage garnishments upon filing
- Remove certain liens from your property
- Discharge medical bills, credit card debt, utility balances, and other unsecured obligations
- Eliminate deficiency judgments on repossessed vehicles
- Reorganize your debts into a structured, manageable repayment plan
Understanding Your Options
We guide our clients through the two most common forms of personal bankruptcy, carefully evaluating which option places each client in the best possible position given their unique financial circumstances.
Chapter 7
Known as a liquidation bankruptcy, Chapter 7 can result in a full discharge of qualifying unsecured debts with no repayment to creditors, provided your assets fall within applicable exemptions. Eligibility requires passing the Means Test, which evaluates your income against the median for your household size and location. Our firm will analyze your eligibility and fight for your interests throughout the process.
Chapter 13
Chapter 13 is a reorganization bankruptcy allowing you to retain your assets while repaying a portion of your obligations over a court-approved plan period, typically three to five years. It is well suited for the clients we serve who are behind on mortgage payments and want to prevent foreclosure, or those who wish to address junior liens or reduce certain secured debts. We will evaluate whether Chapter 13 places you in the best possible position given your situation.
Not certain which option is right for you? That is precisely what a consultation with our firm is designed to address. We will sit down with you, review your full financial picture, and provide you with the clear, honest guidance you need to move forward with confidence. Our clients leave that conversation informed, not more confused.
The Automatic Stay
One of the most immediate benefits we can secure for our clients is the automatic stay. The moment your petition is filed, a federal order goes into effect halting most collection actions, including foreclosure proceedings, wage garnishments, repossessions, and creditor calls. For many clients, this protection provides critical relief precisely when it is needed most.
Consultations at Hemming, P.C. are confidential and complimentary. We extend the same respect and care to every client from the very first conversation. There is no pressure, no judgment, and no cost to speaking with us. Let us help you take the first step.
What Our Clients Say
A selection of client reviews
"From the very first phone conversation, we felt completely at ease. Filing for bankruptcy at 60 was scary. Everything was exactly as we were told it would be."
"Very thorough and helpful. Every question was answered and I was always kept updated throughout the process."
"This firm is the real deal. I am more than thankful for the excellent services provided for my family and me."
Take the First Step Toward a Fresh Start.
Confidential and complimentary. No judgment. No obligation.