The purpose of a bankruptcy is to provide you with what is called a “Fresh Start”, free from most, if not all, of your debts and financial obligations.   Of course, if you want to keep your house and car(s) you still have to pay for them.   No one wants to file for bankruptcy or even believes it will ever happen to them.   Oftentimes, bankruptcy is caused by unexpected or long term unemployment, illness, divorce, lawsuits, failed business, or tax problems - things usually beyond your control.   A discharge in bankruptcy allows you to discharge the majority of your debts and start life anew - hence the term “Fresh Start.” 

There are 4 chapters under the Bankruptcy Code under which you may file and Julie Koenig at Cooper & Scully offers competent and extensive legal advice regarding them:

Julie Koenig is committed to learning about your financial circumstances and can address your concerns about what happens to your property during bankruptcy and help you understand the bankruptcy basics, like how you can stop creditors in their tracks by filing for Chapter 7, Chapter 11 or Chapter 13 bankruptcy.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.


Consumer Bankruptcy: Chapter 7 & 13
Business Bankruptcy: Chapter 11 & 7
What Happens to My Property in a Bankruptcy?
Stopping Creditors in Their Tracks
Mandatory Debt Counseling
Filing for Bankruptcy - The Process
What is an Automatic Stay?
Assignment of a Trustee and a Judge?
The 341/Creditor's Meeting
Reaffirmation Agreements

Attorneys Specializing in this Area

Julie M. Koenig