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Chapter 7 & 13 Bankruptcy

Debt Relief For Consumers under Chapter 7 & Chapter 13


Sleepless nights because you worry about how you will ever get out of debt?  Are you concerned that you’ll never have good credit again?

Our firm has helped hundreds of people to get the financial fresh start they needed.  No more overdue bills, stressful calls from collection agencies, or sleepless nights wondering who will sue them next.  Instead, we have used the bankruptcy laws to “reset” their lives, and give them the peace of mind they needed.

It is important to realize that just because you’re in debt today doesn’t mean you’re a bad person – and it doesn’t mean you need to be in debt slavery forever.

The bankruptcy laws in our country have a moral basis and a legal basis.  The moral basis is Biblical—Deuteronomy 15 describes the process whereby for Israel, every 7 years, all debts were forgiven.  It was a recognition that it’s possible to get into a hole you simply can’t get out of.  Being deep in debt doesn’t mean you’re a bad person.  It just means you need something to get you out of your financial slavery.

The most common reasons for financial disaster are job loss, medical disasters, divorce, business failures, or continued periods of low income.

Then come the letters and phone calls from debt collectors, lawsuits, judgments, wage garnishments, bank account levies, calls at work that can threaten your job security, foreclosure and eviction notices.  These are common when individuals and families find themselves with overwhelming with unmanageable debt.

Let Us Make It Easy To Get A Fresh Start

When you hire us to help you, you will always be represented by a qualified, licensed, and experienced bankruptcy lawyer who understands your problems and can help you find the right solution. You won’t meet with a paralegal or clerk, and you won’t wait for weeks until an appointment becomes available.  We return phone calls promptly, and respond to emails usually within minutes.  Plus, we’ll make sure you understand everything about the process, and are completely comfortable with it, all the way through.

There are several possible routes to go with a bankruptcy case; we call them “chapters”.  Picking the right chapter from the beginning will ensure that things go as smoothly as possible. One of our attorneys will carefully evaluate your specific situation, and then give you a good idea of how your case would likely turn out.  Our firm is frequently hired to fix cases that others have broken by making wrong choices early in a case.  Let us make sure you get your case going in the best direction possible from the beginning.

We will contact your creditors have them stop contacting you immediately. If they don’t, we’ll help you fight back against abusive debt collectors. Also, if they have already broken the law with their debt collection activity, or if a creditor has exploited you with oppressive and unlawful lending (e.g., loans with 150% interest), we can pursue those claims on your behalf as well.

Take the first step. Contact us to get your Orange County bankruptcy law questions answered by an experienced lawyer.  Hundreds already have.  You are not alone.

When you’re ready to take the next step you can schedule a free, no-obligation bankruptcy consultation in the office or by phone.  Call us at 714-795-2346, or click the button at the bottom of the page to contact the firm online.

 

 

 


 

Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start.  The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court.  Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.

Bankruptcy may make it possible for you to:

– Eliminate the legal obligation to pay most or all of your debts.  This is called a “discharge” of debts.  It is designed to give you a fresh financial start.

– Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments.  (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.)

– Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

– Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.

– Restore or prevent termination of utility service.

– Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.

Our office has helped many people, both consumers and businesses, to sucessfully navigate the bankruptcy world and get that fresh start they needed.  In most cases, we offer an in-person evaluation at no cost to you that will help you understand your options and give you a really good idea of exactly what your case would look like.  It is common for our clients to comment about how they never felt lost or out of control during their case.

Call us today at 714-795-2346 to set up a free evaluation.


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