Bankruptcy – What Is It?

Debt problems arise from several reasons

Bankruptcy may be caused by job loss, divorce, illness, a death in the family, creditor lawsuit or a bad economy.  The common thread, however, is cash flow is not enough to pay monthly living expenses and all the other bills, such as credit cards, medical expenses, payday loans or student loans.  Stress, desperation, fear and frustration occur when you are just trying to survive and pay excessive debt to avoid bankruptcy.  As you can tell, the reasons for creditor problems are many, but there is one, best solution — protection by the bankruptcy court.

Signs That Bankruptcy May Be the Solution for You

  • ♦  You have cash flow problems due to job loss, illness, medical or other family expenses.
  • ♦  Your credit cards are at their limit, and you can only make the minimum payments.
  • ♦  Creditors are constantly harassing you, or you are being sued.
  • ♦  Money fears and anxiety are taking over your life.
  • ♦  You are in jeopardy of losing your home to foreclosure or losing your vehicle to repossession.

Here to Serve You

The law offices of John A. McLaughlin Jr., P.C., provides two locations devoted exclusively to bankruptcy law. We are local and we are available.  We show clients how debt relief is stress relief and that bankruptcy is the answer.  Most clients feel a weight lifted from their shoulders after just talking with us about the pros and cons of bankruptcy.  They learn help is on the way.  You are not alone in this endeavor, our knowledgeable and experienced staff helps you gather the information needed to file your case and end your ongoing debt problems.

Relief from bankruptcy
Couple relieved they found a solution


The most powerful laws in the country for controlling creditors are contained in the federal bankruptcy laws. Whether you file Chapter 7 or Chapter 13, you will find immediate relief from creditors. Moreover, most clients keep all of their assets, including vehicles and residences. We are keenly aware of the fear and stress caused by debt and the methods creditors take to collect bills. Our legal team keeps things simple, speaks in non-legal terms whenever possible, and tells you the single, most important secret that no other attorneys will tell you for a successful case.

Case Building

At the law office of John A. McLaughlin Jr., P.C., we clearly discuss and give you written documentation of what you will need to provide for your case. Once this is received, we will quickly and accurately complete the necessary court paperwork.  Because we have local offices, we are easily available and here to help you and be with you every step of the way.

When should I consider Bankruptcy as an option?

Knowing when to file bankruptcy is essential to making the filing process as easy and streamlined as possible. Often times people wait FAR too long before starting the bankruptcy filing process. This often times will cause an individual to accrue new debt that is unnecessary, thus making their financial situation even more dire.