Bankruptcy is a powerful law that gives you breathing room and stops all collections immediately so you can come up with a repayment plan for cars and homes if you are behind, eliminates unsecured debts like credit cards, medical bills, signature loans, checkline reserves and overdraft protection amongst many other debts. Attorney Hardy can often eliminate 2nd mortgages in special situations and the debtors still keep their home/land. Mr. hardy can often void and eliminate judgments. In the meanwhile, Mr Hardy researches for possible lawsuits you may have against your lenders, creditors, bill collectors, mortgage companies, etc