I am an Attorney with the Owen & Dunivan, PLLC. I currently focus my practice on foreclosure defense (including loss mitigation - short sales and loan modifications), bankruptcy representation (chapter 7 and chapter 13 bankruptcy), real estate/property law, consumer credit collection violations, and criminal law. A consultation with me or my firm may result in seeking relief under Title 11 of the US Code (Bankruptcy). We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.