Schedule a FREE Consultation

Practice Areas

Gonzalez & Tybor provide consumer bankruptcy services. There are two types of consumer bankruptcies that an individual can file. Chapter 7 bankruptcy is typically referred to as a "liquidation" bankruptcy. If you can't afford to pay your debt, you can eliminated it in a bankruptcy, but run the risk that your property will be used to pay back some of the debt. Chapter 13 bankruptcy is typically referred to as a "reorganization" bankruptcy. With a Chapter 13 bankruptcy, an individual makes montly payments over a period of 3 to 5 years. This kind of bankruptcy can also be used to catch up on mortgage or car payments and there is no risk of losing your property. Contact our attorneys today to find out which Chapter is best for you. Student Loan Discharge - depending on your situation, you could qualify to have your federal student loans eliminated or reduced

Chapter 7 Bankrupty

Chapter 7 Bankruptcy clients can eliminate all of their unsecured debt (credit cards, medical, vehicle repossessions) with a process that lasts a few months.
  • Shorter Process
  • Typically less expensive
  • Eliminate most debt
  • Risk of losing property
  • Less Flexibility
  • Better for individuals with few assets
Contact Us

Chapter 13

Chapter 13 clients can use their disposable income to reorganize several kinds of debts
  • More Flexibility
  • No risk of losing property
  • Catch up on past-due mortgage or vehicle payments
  • Potentially lower car or home payments
  • Process takes longer
  • Typically more expensive
Contact Us

We will help you get the fresh start you need!

Let's talk