The American founding fathers included bankruptcy in the Constitution to help people facing financial problems maintain their freedom. Most individuals overwhelmed with debts realize eventually that they cannot enjoy life. There is always the concern about creditor calls, wage garnishments and foreclosures. It may seem that there is nothing one can do to end the tide of debt.

So, to provide relief there is Chapter 7 Bankruptcy. This program is fairly straightforward and requires the filing of paperwork that a firm, such as Clark & Washington, can help the petitioners complete. It is important to get legal help because any mistakes might delay the process, allowing creditors to take action. Getting things done in a timely fashion results in a stay of payments, meaning the client can relax a bit until the court settles things. In most cases, there is only one time that the debtor has to even visit the federal courthouse.

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