At Hurtt & Johnson, we offer a free and confidential initial consultation to review your legal rights.  Often, clients are in need of a bankruptcy due to events entirely out of their control, such as loss of a job, loss of income, divorce, and unexpected medical debt. Standard Bankruptcy Options include filing a Chapter 7 “fresh start” bankruptcy or Chapter 13 repayment plan bankruptcy.  Additionally, Chapter 12 is available for farmers and Chapter 11 is available for businesses and complex cases.  If your primary concern is a lawsuit, it is possible that we could defend the lawsuit on its own merits or pursue other non-bankruptcy alternatives.