Why Clients Trust Us
Our Practice Areas
Chapter 7
The fastest and simplest way to wipe out debt.
Stop Foreclosure
Most bankruptcy filings stop foreclosure, but what you want next determines the strategy.
Chapter 13
Repayment plans to catch up on mortgage and car loans, & to address other pressing debt.
Stop Garnishments
Bankruptcy's automatic stay immediately stops collections including garnishment.
Chapter 11
Too much debt for Chapter 13? More business debt than personal? Other chapters in the bankruptcy code can be useful.
Means Test
Bankruptcy law mandates a Means Test, which can determine which chapters are even available to you.
About Carl Gulliver
With over 30 years of experience in consumer bankruptcy law, Carl Gulliver is dedicated to helping clients overcome debt challenges. As a solo practice, we pride ourselves on providing personalized attention and a strong commitment to our clients' needs. We have earned the trust of both clients and legal professionals alike.




