Dennis and Stacy came to us with a large amount of debt, in need of help. They were in the enviable position of having more than $100,000 of equity in their home, unfortunately this meant that they could not file a Chapter 7 bankruptcy. Instead, we helped them file a Chapter 13 bankruptcy, which was approved by the court with a payment of only $400 per month for three years. That means that they now get to pay their creditors only $400 per month, and after three years, all of their debt will be discharged. The best part? They get this deal AND they get to keep their Utica home.