Business Details
31 Years
experience
Hawaii Bankruptcy Lawyers Since 1995
For over four decades, our firm has provided expert bankruptcy legal services across the Hawaiian Islands. Founded on the principle that everyone deserves a second chance, we specialize in Chapter 7 and Chapter 13 bankruptcy solutions for individuals, families, and small businesses. Our owner-operated practice combines extensive experience with personalized attention, ensuring clients receive direct access to legal counsel throughout their cases. We have successfully helped thousands eliminate or restructure debt, stop foreclosures and wage garnishments, and regain financial stability.Our deep understanding of federal bankruptcy law, coupled with our commitment to ethical representation, establishes us as Hawaii's leading consumer bankruptcy firm. We maintain authoritativeness through consistent client-focused service and verifiable results, while our transparent processes and free initial consultations demonstrate unwavering trustworthiness. Our team's hands-on approach ensures every client receives customized solutions backed by decades of specialized expertise.
Services
Chapter 7 Bankruptcy
Chapter 13 Bankruptcy
Creditor Relief
Debt Elimination
Repayment Plans
Foreclosure Defense
Wage Garnishment Stop
Tax Debt Solutions
Bankruptcy Consultation
Creditor Harassment Protection
Details
- Year established: 1995
Highlights and features
- We offer direct attorney access with 40+ years of bankruptcy experience
- Our firm has helped thousands achieve debt-free status since 1995
- We provide immediate creditor relief through federal bankruptcy protections
- Our owner-operated practice ensures personalized case management
- We guarantee transparent pricing with no hidden fees
What people say
Debt-free success
Professional service
Compassionate counsel
Prompt responses
Expert guidance
Services
Chapter 7 Bankruptcy
Eliminate unsecured debts like credit cards and medical bills through Chapter 7 bankruptcy. Most clients keep essential assets including homes and vehicles. Our experienced attorneys guide you through the means test requirements and property exemption process to ensure maximum debt relief while maintaining financial stability. This solution suits those needing immediate debt elimination.
Chapter 13 Bankruptcy
Restructure debts through supervised repayment plans lasting 3-5 years. Keep your property while addressing arrears on secured debts like mortgages and car loans. Our team creates customized payment plans based on income and expenses, ensuring manageable monthly payments that lead to complete debt discharge upon plan completion.
Creditor Relief
Stop collection calls, lawsuits, and wage garnishments immediately through bankruptcy protections. We enforce automatic stay orders to halt all creditor actions including foreclosures and repossessions. Our firm actively pursues legal remedies against creditors who violate these protections, ensuring complete relief from harassment and financial pressure.
Foreclosure Defense
Prevent home foreclosure through bankruptcy filing protections. Maintain property ownership while repaying mortgage arrears over extended periods. Our specialized approach preserves equity and secures housing stability through structured repayment plans that integrate with overall debt solutions.
Tax Debt Solutions
Address income tax debts and other financial obligations through bankruptcy discharge options. Our expertise handles priority debts while maximizing relief for non-priority tax liabilities. We create comprehensive strategies that resolve back taxes alongside other consumer debts for complete financial recovery.
People
Ed Magauran
Attorney-at-Law
With over 40 years of bankruptcy law experience, Ed Magauran personally oversees all client cases. Formerly representing creditors, he now focuses on debtor protections, having helped thousands achieve debt-free status through Chapter 7 and 13 bankruptcies since establishing the firm in 1995.
Questions
What bankruptcy options exist for Hawaii residents?
We specialize in Chapter 7 liquidation bankruptcy for immediate debt elimination and Chapter 13 repayment plans for structured debt resolution. Both options provide legal protection from creditors while addressing different financial situations.
How does bankruptcy stop creditor harassment?
Filing for bankruptcy triggers an automatic stay order that immediately halts all collection activities. This includes phone calls, letters, lawsuits, wage garnishments, and property repossessions under federal bankruptcy protections.
Can I keep my home during bankruptcy?
Chapter 13 bankruptcy allows you to maintain property ownership while repaying mortgage arrears over 3-5 years. Chapter 7 may also preserve home equity through exemption protections depending on individual circumstances.
What debts cannot be discharged?
Certain obligations like child support, alimony, student loans, and recent tax debts typically survive bankruptcy. Our attorneys provide detailed assessments of dischargeable debts during free initial consultations.
How much does bankruptcy cost in Hawaii?
We offer transparent pricing with no hidden fees. Costs vary by case complexity but include standard filing fees and attorney charges. Free consultation helps determine best-value solutions for individual situations.
