P.O. Box 519, Morgantown, WV 26507     |     Phone: (304) 292-7933     |     Email: todd@jlawpllc.com


Todd Johnson Law Bankruptcy & Debt Relief Attorney


Debt Relief and Bankruptcy Law

Call 304-292-7933 now for your no obligation phone consultation.


Debt Relief Solution Offers A Fresh Start

Are you overwhelmed with debt? Johnson Law, PLLC can help.

Johnson Law, PLLC is a law firm with one goal: to provide our clients with fast and effective debt relief solutions. Bankruptcy offers a fresh start to many people facing years of difficult or even impossible financial challenges. Each bankruptcy is different and tailored to the unique needs and circumstances of the individual.

Many different circumstances can lead people to consider bankruptcy debt relief. Common causes are rising mortgage rates, high medical bills and inadequate health insurance, foreclosure, repossession, divorce, a faltering business, unemployment and downsizing, retirement challenges, disability, adjustable rate mortgages (ARMs), home equity and interest-only loans, and high credit card interest rates. Below are the types of bankruptcy handled by Johnson Law, PLLC:


Chapter 7 Bankruptcy

Chapter 7 bankruptcy is a “fresh start” option. Under the guidance of the court, your total debt is reduced, and sometimes non-exempt property is sold and the proceeds are used to pay off debt. Garnishments, lawsuits, foreclosures, creditor harassment and repossession are halted. The goal of Chapter 7 is to leave you with your home, car, household goods and other exempt property, and with payments that you can afford.

Chapter 11 Bankruptcy

This is used mostly by businesses. In Chapter 11, you may continue to operate your business, but your creditors and the Court must approve a plan to repay your debts. There is no trustee unless the Judge decides that one is necessary; if a trustee is appointed, the trustee takes control of your business and property.

Chapter 13 Bankruptcy

Chapter 13 is sometimes called “reorganization” or “wage earner” bankruptcy. Under this plan, the individual works with the courts to create a three-to-five-year payment plan with reorganized debt and debt payments.Chapter 13 enables debt payments to be reduced, property to be retained, and garnishments, creditor harassment and repossession to be halted. Chapter 13 is also highly effective in immediately halting foreclosure proceedings and providing a way to get current on your mortgage payments.




Johnson Law Debt Negotiation & Bankruptcy

No Obligation Initial Consultation;
Relief from Overwhelming Debt

If you’re struggling to pay your bills or fear losing your home and feel like there’s no way out, bankruptcy may provide a solution. Johnson Law, PLLC offers a no obligation phone consultation. Our office is a professional, experienced, and compassionate firm that specializes in bankruptcy. Every day we help individuals and families seek relief from overwhelming debt.

Call Johnson Law, PLLC today at 304-292-7933, or fill out our online contact form, before making another financial decision. Arrange to speak with an experienced attorney. The no obligation initial consultation can be by phone, so you have nothing to lose.


Johnson Law, PLLC, levels the playing field against
unscrupulous debt collectors and helps rid clients of excess debt.


Johnson Law, PLLC can help you resolve bankruptcy and many other legal challenges with experience, knowledge, and skill.
Contact us at 304-292-7933 for a no obligation initial consultation by today on:

  • Chapter 7 and Chapter 13 bankruptcy
  • Fair Debt Collection Practices Act (“FDCPA”) litigation
  • West Virginia Consumer Credit and Protection Act (“WVCCPA”) litigation
  • Telephone Consumer Protection Act (“TCPA”) litigation
  • Foreclosures, repossessions, wage garnishment
  • Contract disputes, negotiating and drafting
  • Debt negotiation and settlement


Our Mission Statement

To Help…

level the playing field against unscrupulous debt collectors

To Help…

rid clients of excess debt through bankruptcy or settlement

To Help…

injured clients receive the justice they deserve

To Help…

clients navigate legal issues and needs with prudence and care

The word “bankruptcy” tends to cause feelings of panic and unease when, in fact, bankruptcy is intended to help people in need. Bankruptcy laws were enacted to protect people’s rights and property and to provide a fair way for them to get back on their feet again financially.

There are numerous causes of financial difficulties, and today’s economy has contributed to the problem. Home mortgage rates are rising and, in response to rising defaults, government investigators are questioning the sales and lending practices of many financers. At the same time, rising healthcare costs and falling medical insurance coverage have caused additional financial problems, as have high credit card interest rates and exhorbitant gas prices.


Experienced Bankruptcy and Debt Relief Attorney in Morgantown, WV

Bankruptcy protection can help many people manage and discard debt while retaining essential property. There are two forms of bankruptcy available to most individuals:


  • Chapter 7 uses any non-exempt assets to pay towards debts, the rest being discharged.
  • Chapter 13 reorganizes a debtor’s debts so that payments are again manageable and affordable.
  • Chapter 11 helps some individuals and companies reorganize debts and payments.


Foreclosures can often be halted and sometimes remedied, lawsuits stopped, collection calls stopped, and the debtor retains his or her home, household goods, car, and other assets.


In addition, we offer:

  • Weekday, weekend and evening appointments
  • Competitive and affordable rates
  • Flexible payment plans that can fully accommodate your financial situation
  • Immediate halts to foreclosures and creditor harassment
  • No obligation initial consultations by phone (304-292-7933)
  • By phone and mail bankruptcy proceedings available. You will most likely need to come to Clarksburg only once for Chapter 7 and possibly twice for Chapter 13 bankruptcy.

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation.
We are a debt relief agency. We help people file for relief under the Bankruptcy Code.