Stop foreclosure, garnishments, and collection lawsuits—fast.

What are you facing right now?

Results & Trust

• Ended garnishments within days

  Relief often begins with the first post-filing paycheck.

  "Attorney Crespo assisted me and stopped a wave of lawsuits and garnishments coming my way." — Sharmin

• Stopped foreclosures on their eve

  Emergency filings can halt scheduled auctions.

  "Attorney Crespo helped me stop the foreclosure and auction on my home." — Wagner

• Discharged millions in debt

  Credit cards, medical bills, collections, and more.

  "Mr. Crespo helped me keep my home." — Ingrid

Former Law Clerk for the United States Bankruptcy Court
Former Member of the Bankruptcy Legal Aid Clinic in Puerto Rico

FAQs

• Will I lose my home?

  A bankruptcy filing can halt a scheduled sale. Many homeowners keep their homes by curing arrears in a Chapter 13 plan. Learn more in: Chapter 13 .
• Will I lose my stuff?

  Most filers keep their essential property using exemptions (home equity, vehicle, household goods, wages, etc.). See what’s protected in: Bankruptcy exemptions .
• How fast will it stop collections?

  Immediately upon filing, the automatic stay stops calls, lawsuits, garnishments, and foreclosures. See how it works: Automatic Stay .
• Can I include my student loans?

  Generally, student loans are not discharged unless you prove undue hardship through a separate process. Get the limits here: What bankruptcy can’t do .
• Do I have to go to court?

  You’ll attend a short 341 “meeting of creditors” (usually by phone or video). It’s not a courtroom hearing. What to expect: Your 341 meeting .