Depending on your individual situation, debt negotiation could be the best place to start, potentially settling your debt for a fraction of the amount you currently owe. Be assured that we’ll find the right solution that works within your budget.

With Summit Law Partners on your side, we represent you, provide the best defense, and determine the best strategy for fighting back against litigation, while defending your rights.

If you’ve been getting harassing phone calls, threats or abusive communications from a debt collector, we take action on your behalf and stop the harassment.

We help you find the right solution for your financial needs. Contact us to learn more or to schedule a free case consultation today.

At Summit Law Partners, we focus on resolving debt through strategic debtor representation, structured negotiations, and attorney-driven settlement efforts. 

Bankruptcy is typically considered after all viable alternatives have been fully evaluated and found insufficient to provide meaningful, long-term relief. Because it is a significant legal process with lasting implications, our attorneys assess it with careful consideration and a full understanding of your financial circumstances. 

When Bankruptcy May Be Appropriate

A bankruptcy filing may be considered in limited circumstances, such as when:

• Financial obligations remain unmanageable despite responsible budget adjustments and attempted negotiations with creditors.

• Collection actions, lawsuits, or wage garnishments continue even after legal intervention.

• No realistic repayment, restructuring, or settlement strategy can achieve sustainable or long-term financial relief.

If these factors apply, our team conducts a thorough legal and financial review to determine whether a bankruptcy filing would provide meaningful protection or lasting benefit.

Types of Bankruptcy We Assist With:

Chapter 7 Bankruptcy

May discharge qualifying unsecured debts for individuals who meet federal income and asset guidelines.

Chapter 13 Bankruptcy

Creates a court-approved 3–5-year repayment plan that allows clients to keep property while catching up on overdue amounts.

Both chapters involve strict eligibility requirements, detailed documentation, and legal obligations. Our attorneys guide clients through every step to ensure clarity and compliance.

Why Work With Summit Law Partners

Before recommending bankruptcy, our attorneys complete:

• A comprehensive legal and financial analysis of your situation

• A full evaluation of all negotiation, restructuring, and settlement options

• A clear discussion of risks, benefits, and long-term impacts

• An attorney-led strategy designed to protect assets, minimize exposure, and provide sustainable relief

If bankruptcy becomes the only viable path, we provide end-to-end representation, including preparation, filing, documentation, and court appearances.

Request a Confidential Evaluation

If you believe bankruptcy may be unavoidable, speak with an attorney before taking any action. Contact Summit Law Partners at (888) 482-1505 or submit our confidential online form. We will evaluate your situation, clarify your legal options, and determine whether bankruptcy is appropriate—or whether another solution can help you avoid filing altogether.