Torch Legal is a Debt Relief Agency. We help people file for bankruptcy under the Bankruptcy Code. We may be able to get you out of debt.
Chapter 7 eliminates the obligation to pay “unsecured” debts; debts such as credit cards and medical bills. Not all types of debt are eliminated; child support, student loans, taxes, and unpaid fines are not dischargeable in bankruptcy. Chapter 7 also eliminates your personal liability for mortgage debt (although a mortgage lien may still be foreclosed against the property.)
Chapter 13 is available to people with above-average household incomes, or who own valuable property, or who recently completed a Chapter 7 bankruptcy. Chapter 13 requires a monthly payment plan, with payments based on your income and budget.
We understand bankruptcy and our goal is to get you out of debt!