“I find the work of Miss Bettis to be excellent. Total professionalism, fair prices, excellent results. I highly recommend her to anyone needing her type of services.” – Ralph K.


Who are my clients? They are people of all walks of life, all ages, all backgrounds.  Couples, families, individuals.  Some own large homes, some are staying with friends or family indefinitely. But they all have several things in common.  See if you recognize yourself at all here: They hit a hard patch with their finances.  They […]

Client Testimonial

When going through a difficult process such as bankruptcy, it was wonderful to have someone like Ms. Bettis to help guide me through its stages. She explained the process to me so that it was less intimidating and I felt comfortable making decisions. She went above and beyond to help me and helped when creditors […]

How do I make sure my Chapter 13 plan works?

Making the Plan Work The provisions of a confirmed plan bind the debtor and each creditor. Once the court confirms the plan, the debtor must make the plan succeed. The debtor must make regular payments to the trustee either directly or through payroll deduction, which will require adjustment to living on a fixed budget for […]

How does Chapter 13 work?

A chapter 13 bankruptcy is also called a wage earner’s plan. It enables individuals with regular income to develop a plan to repay all or part of their debts. Under this chapter, debtors propose a repayment plan to make installments to creditors over three to five years. If the debtor’s current monthly income is less […]