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General Chapter 7 FAQ’s Chapter 13 FAQ’s Resources 15 Bankruptcy Myths Real Estate Lingo The Do and Don’t List The Rich and Famous (and Bankrupt) Links Disclosures About Us Contact Us News You Can Use Looking for help? The “why” a person is drowning in debt is not important, nor is “how” it happened.  In reality the real question is  “what” are your finances as of right now  and ‘what’ are the options to solve or fix the problem?  Bankruptcy was created to help debtors manage, eliminate or reorganize  their debts under the protection and supervision of the Bankruptcy Court.   Therefore, there are times when a person needs a “fresh”start” to continue as a productive member of society.  Bankruptcy is not an easy decision, but sometimes it is the best one under the circumstances. “ I may not have gone where I intended to go, but I think I have ended up where I needed to be.” Douglas Adams, English humorist & science fiction novelist (1952 – 2001) Legal Disclaimer The information you obtain at this website is not, nor is it intended to be, legal advice. You should consult a bankruptcy attorney for advice regarding your own situation. We provide a Free initial consultation provided that you bring the specific information we will request of you.  However, contacting us or having the initial consultation does not create or establish an attorney-client relationship. We are a debt relief agency and we provide legal assistance to consumers seeking relief under the Bankruptcy Code. To ensure compliance with the recent revisions to Circular 230 published by the Internal Revenue Service, The Law Office of John A. Vos informs you that if any advice concerning any Federal tax issue is contained in this communication, such advice is not intended to, and cannot be used for, any purpose of avoiding penalties under the Internal Revenue Code or promoting, marketing or recommending to another party, any transaction or matter unless expressly authorized within this communication. Please refer to Circular 230 (available at  http://www.irs.gov/ ) for more information regarding this requirement. 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