Bad things happen to good people: job loss, unexpected medical bills, unpiad time off, unexpected car repairs. Suddenly, you can’t pay your bills or use your credit cards, and then you can’t get caught up. Don’t be embarrassed. Bankruptcy is your fresh start. Call today to determine if you would qualify or a Chapter 7 or Chapter 13. HLO is with you through the whole process, start to finish. Don’t be afraid or embarrassed. We’re not here to judge you, we’re here to help you get back on track financially.