Bankruptcy might as well be a four-letter word in the eyes of some. Even if facing significant money problems, millions of Americans feel reluctant to file because they know the stigma attached. But the truth of the matter is that sometimes it’s unavoidable, and you can get there through no fault of your own.

At Davis, Ermis & Roberts, P.C., we know about all the attitudes surrounding this topic. We also know about how to navigate it so you can get on the firmer financial footing needed to move on with your life. If you’re considering this option, reach out to us. Here’s what you can expect when you do.

Dignity & Respect

We don’t take on a client with the idea that they did something to get themselves into the situation. We could all make better financial decisions, but we are the sum of our decisions and our circumstances. Sometimes a decision that appears wrong was the only choice that a person has at the moment.

It’s not that you are a victim. You are just someone who is doing the best you can within your given situation. That’s why you don’t have to forfeit your dignity and self-respect when you ask us for help. Our goal is not to judge but to help you find a way through to the other side of financial despair. It’s possible, and it isn’t as painful as you think.


You may or may not be ready to file for bankruptcy. Sometimes there is a way through without having to take that step. If you are hoping to avoid it, we can work with you to consider which options are available and make the most sense.

Through our in-depth consultation, we can help you determine the best path and, if bankruptcy is it, we can provide clear guidance for the best route to go:

Chapter 7: available to most individuals, married couples, corporations, and partnerships. In most cases, the Debtor (you) will receive a discharge on any personal liabilities for “dischargeable” debts. Some debts are not dischargeable — taxes, and student loans, to name two.
Chapter 11: “Reorganization” bankruptcy restructures a business (i.e., corporation, sole proprietorship, partnership, etc.) and requires a Debtor-in-Possession account to be used by the entity while in the process. Typically not what you would want to use if you run a small business.
Chapter 13: a “reorganization” plan for the average person — individuals, families, small business owners — Chapter 13 enables you, if you have a regular income, to repay all or part of your debt in installments, from 36 to 60 months. It can allow you to hold onto important assets like an automobile or home.
We’re here to answer any questions you might have about the different terminology and what each means for your specific situation.


It’s impossible to avoid credit repercussions when you file for bankruptcy. That’s why we are happy to discuss all of your options in detail before moving forward. But something you should know is that bankruptcy won’t damage your credit viability forever, and you can begin rebuilding your reputation with creditors almost immediately after discharge or entering into a structured repayment settlement.

Of course, it takes time. But we can help you explore the different credit-building options available so you can begin reestablishing yourself, usually through a selection of secured credit cards that are low-limit or require pre-payment before using. We won’t make any decisions for you, but we can educate you on all the possibilities to choose the best one for your situation.


There is nothing quite so disheartening as the oppressive weight of debt. The specter of bankruptcy makes that much worse, especially if you’re not sure where to begin or who to trust. At Davis, Ermis & Roberts, P.C., we keep this in mind as we help you cope with the pressures.

Our main objective is to help you reestablish or maintain your quality of life, so you can get back to pursuing your financial and personal goals. That’s not easy to do if you’re trying to file on your own or if you are using counsel that looks down on you for having to take this step.

By working with us, you’ll be able to see the light at the end of the tunnel. You’ll know which assets you can expect to discharge as well as which ones you’ll be able to hold on to. You’ll also see how it’s possible to live, work, and play again without losing hope.

We’re here to help if you’re…

  • Tired of being harassed
  • Tired of being made to feel as if you’ve done something wrong or failed; and
  • Ready to start living again.

Contact us today for judgment-free bankruptcy counsel that focuses on solutions.