Dramatic changes to the federal bankruptcy laws in 2005 have left many people uncertain as to the rights afforded them when filing for bankruptcy protection.  Although the current laws make it more challenging to seek and obtain Chapter 7 “Fresh Start” and Chapter 13 “Repayment Plan” relief, Peppard Legal Services can provide you with the necessary insight and advice to assist you in determining whether or not filing for bankruptcy relief is an appropriate option for your specific financial situation.  In cases where bankruptcy is not an appropriate financial solution, we can help you work with your creditors to obtain a realistic and workable resolution.