It's often more cost effective to hire a licensed professional to avoid foreclosure or file bankruptcy. The Dwyer Law Firm has an excellent team dedicated to these areas of law. Our practice areas include: (1) Chapter 7 Bankruptcy: debts discharged (2) Chapter 13 Bankruptcy: debts reduced, assets protected (3) Chapter 11 Bankruptcy: business re-organized (4) Mortgage Modifications: affordable monthly payments (5) Foreclosure Defense