Your Legal Right

Did you know that you have bankruptcy rights?  You have a legal right to wipe the slate clean, eliminate all of your debts, and get a fresh start on your credit. When our founding fathers drafted the United States Constitution, they knew that bad things happen to good people.  They knew that even though you are a good person you may get into a situation where you need to wipe the slate clean and get a fresh start.

Your Constitutional Right

Our founding fathers gave vision to our country.  They foresaw that people would need debt help and that’s precisely why when they drafted the Constitution they decided that bankruptcy is your constitutional right and that Congress shall always maintain and afford you that right.

United States Constitution

Article 1, Section 8, Clause 4 of the United States Constitution authorizes Congress to enact “Uniform Laws on the subject of Bankruptcies throughout the United States.” It provides that Congress shall enact bankruptcy laws to allow Americans to exercise their bankruptcy rights.  So filing for bankruptcy relief is your constitutional right, specifically guaranteed by the U.S. Constitution.

Federal Right

Since the drafting of the Constitution, Congress has enacted federal bankruptcy laws to help protect you.

Most notably, in 1978, Congress adopted the Bankruptcy Reform Act of 1978, codified in Title 11 of the United States Code, commonly referred to as the Bankruptcy Code.

The Code has been amended several times since 1978, most recently in 2005 through the Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA) of 2005.

How to Exercise Your Right

You may be like millions of other people who are suffering from loss of income or opportunity because of the economy, or you may be like millions of other people who simply bought a home at the wrong time and are suffering from the downturn in the real estate market.

If you are suffering from high interest rates on your credit cards or just need helping getting out of debt, you should talk to a lawyer.  A knowledgeable lawyer will understand how you have this Constitutional Right and how it is also your Federal Right.  They will not look down upon you but will treat you with the utmost respect.  There is no shame in exercising a constitutional and federal right.

When you come to our law office, an experienced and compassionate lawyer will sit down with you and explain your legal rights so that you can be fully informed and make the right decision for yourself. If exercising your right to seek debt relief through bankruptcy is the right solution for helping you get out of debt, we’ll help you file successfully, so you can get started on the road to a secure financial future.