EXPERIENCE YOU NEED. RESULTS YOU WANT.
Unpaid bills and collection calls can cast a cloud over your life. Fortunately, help is available for people with unmanageable levels of debt.
Filing for bankruptcy can reduce or eliminate many of your unsecured debts. It will stop lawsuits, foreclosure, wage garnishment and vehicle repossession. It can give you the opportunity to make a fresh financial start. Including:
- Bankruptcy (Chapter 7 and Chapter 11)
- Foreclosure
- Credit
- Credit Card debt
- Debt relief
- Repossession
Chapter 7 bankruptcy can almost completely eliminate unsecured debts such as credit card debts, medical bills, and personal loans.
Chapter 13 bankruptcy is ideal for people with a steady income who have assets they want to keep. Chapter 13 stops foreclosure and can allow you to keep your house, sometimes eliminating second mortgages. Your debts are reduced or eliminated, and you develop an affordable payment plan for your remaining debts.
We advise clients about specific situations such as:
- Resolving mortgage foreclosure problems and answering the question, “Can bankruptcy stop foreclosure?”
- Protecting assets through the use of bankruptcy exemptions
- Passing the Chapter 7 bankruptcy means test
- Stopping creditor collection activities through bankruptcy’s Automatic Stay and the (R)FDCPA
- Refinancing car loans at the market value of the car in bankruptcy
- Recovering damages against creditors who violate your rights as a debtor under state or federal law
- The relationship between divorce and bankruptcy
As soon as we file either type of bankruptcy, you will enjoy an automatic stay to foreclosure actions, repossession and wage garnishment.
In a free consultation, an attorney at our firm can review your debt relief options. If you decide to move forward with a bankruptcy filing, we will work to obtain maximum debt relief for you.
Call us for a Free Consultation (858) 674-6945
