Attorney Thomas provides counsel and representation of debtors in Chapter 7 and Chapter 13 cases and debt settlement. In Chapter 7, income-eligible debtors hope to discharge their unsecured debt without any payment, other than legal and court filing fees. In Chapter 13, higher income debtors with steady income agree to make monthly payments to the Chapter 13 Trustee for a 3 to 5 year term in order to protect their equity in property such as homes or cars from creditors. A bankruptcy filing offers immediate and powerful relief for clients, as it stops all court actions, legal proceedings, and foreclosure actions. Each person or family’s financial situation is unique and Attorney Thomas urges one to have a full, open discussion of finances in order to provide options.