At a certain point, the burden of debt will lead almost anyone to their breaking point. Whether it comes as a result of job loss, medical bills, declining wages, failed investments, or just misfortune, the drafters of the Bankruptcy Code understood that there comes a point where enough is enough. If you cannot pay your debts, or are dealing with a lawsuit, wage garnishment, foreclosure or are simply just tired of receiving telephone calls from collectors demanding payment, bankruptcy may be of help to you.
One of the major aims of bankruptcy law is to help financially distressed people by providing them the opportunity to make a new financial start. Filing a Bankruptcy generally results in the discharge of most, if not all, of your debts, so that no further collection action can be taken against you. In addition, Bankruptcy can delay your foreclosure or even provide you a solution to avoid foreclosure completely by giving you a means to pay back your mortgage arrearages over time.
At the Bankruptcy Law Center of Northern California, our priority is to arm you with the information that you need to make the right financial choice for you and your family. During our FREE initial consultation we will review your financial condition and discuss what options are available to you. We will explain the benefits and the consequences of each choice so that you are empowered to make the best decision for your financial future.
If, after careful consideration, you decide that Bankruptcy is the right choice for you and your family, we will help you create a timeline for your bankruptcy. We will begin by giving you tools to help control creditor phone calls and deal with wage garnishments to give you some peace of mind, while preparing for bankruptcy. When you are ready to file, we will use our expertise to create and file your bankruptcy petition and guide you through the process. After bankruptcy we will discuss with you steps that you can take to rebuild your financial future. We understand that the bankruptcy process can be intimidating and scary, so our priority is open communication so that you understand the process from beginning to end.
If you are losing sleep over unmanageable credit card debt, income tax debt, a wage garnishment, a bank levy, or a pending foreclosure, call us today for a FREE consultation and see if we have the solution for you.