About Bankruptcy - Robert H. Johnson

Is a Bankruptcy Right for You?

Learn More and Reach Out to discuss your unique situation.


The Bankruptcy Laws exist to help people just like you

One of the most challenging holes to dig yourself out of is a financial pit.

Countless smart and well intentioned people like you have found themselves struggling with debt and a challenge keeping themselves afloat.  Maybe it was a job loss, divorce or health issues that left you struggling financially.  On top of that you now face collection letters, wage garnishment, bank levy’s, utility shut off notices, creditor telephone calls and even eviction or foreclosure.

Fortunately, solutions do exist, and there are ways to get back on your feet quickly and get your financial foundation back on the right track.

It is time to move forward.


Are you tired of fighting with creditors and watching the interest rates on your debt climb sky high?  Are you frustrated, anxious or depressed due to financial debt?  Are you tired of making late payments and never be able to catch up?  Are you behind on your mortgage payments?  Are you living paycheck to paycheck?  Have you lost a job or have had your income reduced?  Do you have health issues and health-related debt?  Are you struggling financially due to a separation or divorce?



Bottom line, do you wish you could eliminate debt?


If your answer is yes to any of these questions, it’s time to contact us.  Mr. Johnson will assist you in moving forward, rather than looking behind.  It is our charge to help you take charge of your financial future.

Misfortune happens to good people, and the Bankruptcy Code is a set of federal laws created to provide a resolution to difficult financial situations.

We specialize in bankruptcy and insolvency law and do not devote our time or resources to other areas of law. This affords us the opportunity to gain large amounts of experience representing Trustees, Debtors and Creditors providing unique insight into all sides of the process.  Our extensive experience with both complex and simple matters are to your benefit.



How It Works.


Recognition:  When you’re having financial problems or financial problems are in the horizon, time is of the utmost importance. Acting quickly when you miss or are about to miss credit card payments or when your business starts failing is the first step in gaining control over your finances and minimizing your losses.   Before you incur additional debt or liquidate assets or borrow from retirement, contact a debt professional to discuss your financial situation to determine your best options which may or may not include bankruptcy protection.

Investigation:  We sit down and ask specific questions to get to the bottom of your financial situation.  Most important, WE LISTEN.

Education:  We provide a tutorial on your various legal options, highlighting options based on YOUR situation and YOUR goals.

Recommendation:  We put our knowledge and expertise to work for you to determine a plan of action to ensure the optimum result is achieved.

Breaking the Stigma

We recognize that there is a certain stigma, however undeserving, that surrounds bankruptcy.  In many cases this is precisely what holds people back from the most appropriate and effective solution. Don’t let financial stresses affect your life or your family. We will sit down with you and develop a plan that is best suited for your situation and explain every step and detail.  Whether that means filing Chapter 7, Chapter 11, or Chapter 13 bankruptcy, we will help you understand your options and get the help you need.

Available Remedies

Typically, our clients have fit into the following types of bankruptcies that are currently available to individual filers:


  • Chapter 7: Remove debt while keeping your property


  • Chapter 13: Pay a portion of your debt through a three to five-year repayment plan to save certain property and/or allow you to catch up on missed payments


  • Chapter 11: Available to individuals with substantial assets and debts that wish to retain assets by paying creditors a portion of debt over time.


The filing of any one of these types of cases immediately stops harassing phone calls, lawsuits and attempts by creditors to obtain possession of your property, including wage executions and foreclosure sales. Contact us today to get this process started.



Step 1: Request a Consultation

We may meet in person or on the phone – whichever makes YOU the most comfortable.



Step 2: Our Free Consultation

We will make sure you understand your options, and what the best steps are for your case moving forward. At the end of our meeting you will be fully aware of how we are taking positive steps to establishing future financial stability.



Step 3: Go home to digest the information, recommendation and weigh your options.




Step 4: If Bankruptcy is needed:

We know that while every bankruptcy proceeding is unique, most people feel intimidated when filing. The paperwork involved in bankruptcy cases can be quite confusing, and, more often than not, your creditors will have teams of lawyers behind them. Our objective is to make the bankruptcy process as simple and painless as possible by:

Analyze and discuss your financial situation

Educating you to put you in the place to make an informed decision

Prepare and file your petition and schedules with the U.S. Bankruptcy Court

Interact with the trustee and creditors in connection with this proceeding

Helping you regain control of your finances and get a fresh start

Keep you informed of progress and developments, and respond to your inquiries

Bankruptcy 101

This short video from the Legal Aid Society video will provide you with a simple overview of bankruptcy and the bankruptcy process.

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