Bankruptcy:

At Athena Legal Group, we understand that the word "bankruptcy" can feel heavy. But here’s the truth: bankruptcy is not a failure — it’s a legal tool designed to give you relief and a fresh financial start.

Whether you’ve experienced job loss, medical debt, divorce, or simply hit a point where the bills feel impossible to manage, you are not alone — and you don’t have to navigate this alone either.

Bankruptcy is a federally authorized legal process that allows individuals and businesses to eliminate or restructure debt under court protection. It’s designed to stop collection actions, discharge eligible debts, and help you move forward with stability and peace of mind.

At Athena Legal Group, we primarily help individuals and families file Chapter 7 or Chapter 13 bankruptcy, depending on their specific financial situation.

• Wipes out most unsecured debts (credit cards, medical bills, personal loans)
   
• Quickest path to relief — typically resolved in 4–6 months
   
• You can usually keep your home, car, and household essentials
   
• Great option if you have little to no disposable income
   

• Allows you to keep your property while repaying part of your debt over time
   
• Ideal if you’re behind on your mortgage or car payments
   
• Stops foreclosure and wage garnishments
   
• Involves a 3–5 year court-approved repayment plan
   

• Stop wage garnishments, lawsuits, and collection calls
   
• Protect your home, car, and other critical assets
   
• Discharge most unsecured debts
   
• Give you the space to breathe, regroup, and rebuild
   

• Myth: "I’ll lose everything."
  Truth: Most people keep their homes, cars, and personal items.
   
• Myth: "My credit will be ruined forever."
  Truth: Bankruptcy is the first step to rebuilding — many clients improve their credit faster than expected.
   
• Myth: "Bankruptcy means I failed."
  Truth: Bankruptcy means you’re taking action. It’s smart, not shameful.
   

We don’t believe in judgment — we believe in solutions.
Our team works closely with you to understand your situation and help you decide whether bankruptcy is the right path for you. We offer:
 

• Personalized debt relief strategies

• Affordable payment options
   
• Clear, compassionate guidance every step of the way

Let us help you reclaim your peace of mind and move toward a debt-free future.
💬 Schedule your consultation
📞 Call us at 405-212-3945
🔗 Download our free Bankruptcy Survival Kit