Keith Karnes

We provide immediate help to stop garnishments, foreclosures, & bank levies, which give you time to work out your financial situation. Many people choose to file bankruptcy because it provides certainty in dealing with debt problems. Bankruptcy can give you a fresh start, let you catch up on missed mortgage payments, reduce the interest rate on your car loans, and repay taxes without penalties or interest. We stay with you each step of the way, discussing all of your options, determining the best course of action, and completing the process to solve your financial matters. We will advocate for you before, during and after bankruptcy. We provide a free pre-bankruptcy consultation to advise you of your options, represent you in court to protect you and your business, insure your creditors respect your discharge and help you rebuild your credit. Unique to our firm, we offer more than bankruptcy. When bankruptcy is not the answer, we provide other ways to solve your financial difficulties. We can stop foreclosures, provide loan workouts with your creditors, stop garnishments and negotiate tax deals with the IRS. In many cases, this eliminates the need to file for bankruptcy. We also represent consumers. If you are the victim of collection harassment, incorrect credit reporting, or identity theft we can help. In most instances we are able to recover our attorney’s fees from the defendant, meaning we can provide you with quality legal representation with little or no cost to you.