Bartifay Law Offices, P.C. provides Chapter 13 bankruptcy services for those facing mortgage foreclosure, where a three to five year reorganization plan is implemented that allows for payment of mortgage arrearages over time. Chapter 13 may also benefit those with high automobile loan payments, secondary mortgages on over-encumbered property, and tax debt. In addition, Bartifay Law Offices, P.C. provides Chapter 7 bankruptcy services to assist with elimination of unsecured business or consumer debt. Bartifay Law Offices, P.C. can also represent clients in mortgage modification negotiations, either within or outside of bankruptcy.