All citizens have a constitutional right to use bankruptcy to get a fresh start. This ability to reset your life, financially, brings freedom from crushing debts and liabilities.

These obligations are usually the result of circumstances beyond your control, such as unemployment, medical problems, or divorce.

Proper estate planning can avoid these risks for your children’s inheritance.  But, what about other assets or circumstances?  Bankruptcy or bankruptcy alternatives may provide the answer.

  • Chapter 7 bankruptcy starts people on a road to freedom by ridding their lives of all debts. It can erase garnishments and stop collection calls!
  • Chapter 13 gives wage earners a chance to breathe using a plan or schedule to pay off debts affordably in 36 to 60 months. It stops calls and preserves people’s ownership of their homes, cars, personal property and even aircraft. It too, can erase garnishments and stop collection calls!

Other bankruptcy chapters can also help businesses and family farms to pay debts affordably and to protect against garnishments and creditor harassment.

At Horn & Johnsen SC, we bring experience, attention, and knowledge to bear. Your initial consultation about your situation is free and comprehensive. When you are ready to move forward, we work to make the process an easier one for you. Our clients are our priority; and we protect your rights!

Our fees are flat rate. For a chapter 7, the fee range is $1,000 to $1,500. For chapter 13, the fee range is $2,500 to $3,500 .

Don’t put up with more creditor harassment. We can stop it!  Call us today for your free consultation.


Free Consultation


what we are best at


what our clients think