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Bankruptcy Attorney

Experienced and Dedicated

The Law Firm of Jim Gaudiosi is one of the most experienced bankruptcy firms in the state. Our lawyer meets personally with each client and offer a free initial consultation and assistance with asset protection, stopping foreclosures, wage garnishment removal, and IRS and state tax relief. Our customized fees are set for your specific situation and are traditionally the most affordable of any dedicated personal firm in the state. We can start representing you for little money down and we offer both evening and weekend appointments. We have provided legal services to people who were faced with harassment by abusive bill collectors, overwhelmed by credit card payments and medical debts, or faced with repossession and foreclosure. 

We have a dedicated lawyer to meet with you.


Chapter 7 bankruptcy, sometimes called a straight bankruptcy is a liquidation proceeding. The debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors. The debtor receives a discharge of all dischargeable debts usually within four months. In the vast majority of cases the debtor has no assets that he would lose so Chapter 7 will give that person a relatively quick "fresh start".

Chapter 13 Bankruptcy is also known as a reorganization bankruptcy. Chapter13 bankruptcy is filed by individuals who want to pay off their debts over a period of three to five years. This type of bankruptcy appeals to individuals who have non-exempt property that they want to keep. It is also only an option for individuals who have predictable income and whose income is sufficient to pay their reasonable expenses with some amount left over to pay off their debts.

Take Back Your Financial Future.  Congress made changes to the bankruptcy laws in 2005, but bankruptcy remedies are still available for individuals, including Chapter 7 where you are still able to discharge debts.

Bankruptcy may give you a new beginning. Chapter 7 bankruptcy muzzles bill collectors and eliminates your credit cards and other unsecured debt. Chapter 13 bankruptcy stops a home foreclosure, car repossession and creditor harassment by entering into the repayment plan.


How are you supposed to pay for bankruptcy if you are already in debt?   Fortunately we can take your case for little or no money down and we have payment plans.   Each case is unique and it will be up to our attorney to determine the actual amount of the fee.   Our fees are very competitive and traditionally one of the lowest. Trust our experienced attorney to get it done right and filed for a price you can afford.

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Our experienced attorney will aggressively represent your interests.