See What Past Clients Have Said:
Past results do not guarantee a similar outcome. Each case is unique.
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Chapter 7, Chapter 13, or Debt Relief?
This page is a hub for people in Des Moines who want clear information and next steps. Choose a service below, or schedule a free consultation if you want to talk it through.
Choose a service
- Chapter 7 bankruptcy in Des Moines
- Chapter 13 bankruptcy in Des Moines
- Debt relief options in Des Moines
Statewide resources
If you want the statewide overview first, start here:
- Bankruptcy and debt relief in Iowa
- Chapter 7 bankruptcy in Iowa
- Chapter 13 bankruptcy in Iowa
- Debt relief options in Iowa
Looking for another city?
Use the directory to find your city hub page: Iowa cities we serve.
What a consultation can help with
- Collection calls, lawsuits, or wage garnishment
- Credit card debt, medical bills, or personal loans
- Concerns about keeping a car or home
- Choosing between Chapter 7, Chapter 13, or another approach
Clear fees are discussed before you decide.
Common questions
Do you serve people in Des Moines?
Yes. Zisman Law serves clients across Iowa.
Do I have to come to the office?
Usually not. Most clients meet by phone or video. If an in-person meeting is helpful, we can discuss options.
How do I know whether Chapter 7 or Chapter 13 is a better fit?
It depends on your income, your debts, and your goals. A consultation can help you understand the tradeoffs and which option may fit your situation.
Will bankruptcy stop collection calls, lawsuits, or wage garnishment?
In many cases, filing can stop collection activity. There are exceptions, and timing matters. We can explain what may apply to your situation.
Can I keep my car or home?
Many people are able to keep essential property, but it depends on exemptions, equity, and whether you stay current on secured payments. A consultation helps clarify what may apply in your case.
How long does the process usually take?
Timing depends on your situation and the option you choose. We can explain typical timelines and what to expect in your case.
What should I have ready for a consultation?
If you have them, bring recent pay stubs, a list of your debts, and any court papers or garnishment notices. If you do not have everything, that is okay. We can still explain next steps.
Is this page legal advice?
No. This page is general information only and is not legal advice. Legal advice depends on your specific facts.