Welcome to Doyaga and O'Shea Attorneys at Law, LLP, where we specialize in guiding individuals and businesses through the complexities of bankruptcy with compassion and expertise. Our dedicated team is committed to providing personalized solutions to help you regain financial stability and peace of mind. At Doyaga and O'Shea, we believe everyone deserves a chance to start fresh—let us help you lay the foundation for a brighter, more secure future.
EXPERT GUIDANCE
Benefit from the extensive expertise of attorneys who specialize in all facets of bankruptcy law.​​
COMPREHENSIVE SUPPORT
We provide continuous support and communication throughout the entire bankruptcy process.
RELIEF FROM CREDITORS
Get immediate relief from creditor harassment, wage garnishments, and the threat of foreclosure.
PERSONALIZED APPROACH
Receive tailored advice and strategies designed to meet your specific financial circumstances and goals.​
PROTECT YOUR ASSESTS
Learn how to protect your assets and understand your rights under protection to make informed decisions.
FRESH START
Rebuilding your financial life with planning and support that helps pave the way for a better future.
Rebuilding Your Financial Future, Together.
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What are the different types of bankruptcy available?The most common types of bankruptcy for individuals are Chapter 7 and Chapter 13. Chapter 7, often referred to as liquidation bankruptcy, wipes out most unsecured debts like credit card debt and medical bills without the need to pay back balances through a repayment plan. Chapter 13 bankruptcy allows you to keep your property and repay debts over time, usually over three to five years.
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Will filing for bankruptcy stop creditors from harassing me?Yes, once you file for bankruptcy, the court will enact an automatic stay. Creditors must then cease all collection activities immediately, including calls, letters, and any legal proceedings. This stay remains in effect until your bankruptcy case is resolved or lifted by the court.
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Can I keep my home and car if I file for bankruptcy?In many cases, yes. Bankruptcy laws provide exemptions that protect certain assets like your home and car. In Chapter 7, you'll be able to keep these assets if they fall under your state's exemption limits. In Chapter 13, you can keep your assets and include your arrears in your repayment plan.
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How will bankruptcy affect my credit score?Filing for bankruptcy can significantly lower your credit score initially. However, the impact decreases over time, allowing you to rebuild your credit. Many individuals start seeing a gradual credit improvement as they resolve their debts and begin to manage their finances better post-bankruptcy.
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How long does the bankruptcy process take?The duration of the bankruptcy process depends on the type of bankruptcy filed. A Chapter 7 bankruptcy typically takes about 4 to 6 months to complete, whereas a Chapter 13 bankruptcy usually lasts between 3 and 5 years due to the repayment plan.