Sacramento Bankruptcy Attorneys: Chapter 7 and Chapter 13
There is no stigma for filing bankruptcy, so don’t let debt ruin your life. Abraham Lincoln, Donald Trump, Henry Ford, and Mark Twain are among the many who have filed bankruptcy. We want to help you. We will hold your hand through the entire process and be available any time of the day to answer questions or provide support. We understand the terrible feeling of having to file bankruptcy and the stress that surrounds the decision. Our understanding of a Sacramento bankruptcy and Rancho Cordova bankruptcy makes it possible for us to ensure that your bankruptcy is handled properly and quickly. Our bankruptcy attorneys do not want to prolong your stress. Our bankruptcy attorneys want to quickly get you started on your new path.
By filing a Sacramento bankruptcy or Rancho Cordova bankruptcy, you can regain control of your life. We will make every effort to personally facilitate a smooth and easy transition for you to start over fresh.
Free Bankruptcy Consultations
We provide free consultations on all bankruptcy matters. This means you will not be charged to talk with us about your case.
Most of our clients file bankruptcy because of high medical bills, but there are dozens of reasons to file. For example, if you’re only making the minimum payments on your credit cards and have no expendable cash on a monthly basis, bankruptcy might be an option for you. We have advised several potential clients against filing because it wasn’t in their best interest. A free consultation allows you to get a complete understanding of the process and it may help you in deciding whether this is the best option for you. It’s free, so why not?
Why File Bankruptcy?
One of the many advantages of filing for bankruptcy includes an “automatic stay,” which stops all creditors from collecting a debt or taking legal action against you. Filing bankruptcy may also eliminate most of your unsecured debt, like credit cards. It may also stop a foreclosure, lawsuits, wage garnishments, harassing phone calls, and even repossessions.
How Do I Choose? Chapter 7 Bankruptcy or Chapter 13 Bankruptcy?
There are two main consumer bankruptcies: Chapter 7 Bankruptcy and Chapter 13 Bankruptcy. In essence, a fresh start allows the debtor to either enter a repayment plan or liquidate the debtor’s assets to pay debts. Repayment plans let the debtor reorganize their debts, reduce their monthly payments, and to stretch the debts over a period of three to five years. Liquidation is the process of selling the debtor’s assets and using those proceeds to pay the debts. Choosing the “Chapter” most applicable to your situation is absolutely critical. We are here to help you make this critical decision and represent our clients by:
- Working with you step-by-step through the bankruptcy process;
- Using innovative technologies to ensure you have constant up-to-date status reports on your case;
- Answering any questions and/or concerns in a timely manner; and,
- Providing the emotional support needed to overcome the stress related to financial hardship and filing bankruptcy.
Sacramento and Rancho Cordova Bankruptcy Attorney Fees
We make every effort to accommodate our clients. We offer a very low retainer of $100 and can set up a flexible payment plan that works for you.
Typical Chapter 7 Bankruptcies
For the attorneys fees listed below, your attorney will provide you with all of the legal services reasonably necessary to represent you in your Chapter 7 Bankruptcy petition. These services include communication with creditors, filing of all necessary documents to commence the Bankruptcy proceeding, and appearing with you at the Section 341 Creditors’ meeting in court. In addition to the attorney’s fees, you must pay the court filing fee of $306.00.
The Attorney’s fees for a typical Chapter 7 Bankruptcy:
- Filing within 30 days: $1,200.00.
- Expedited filing within 2 weeks: $1,500.00.
- Expedited filing within 5 days: $1,800.00.
- Expedited filing within 48 hours: $2,300.00.
Chapter 13 Bankruptcies
The Attorney’s fees for a Chapter 13 Bankruptcy are $4,000.00. There is also a separate Court filing fee of $281.00. We are flexible on method of payment for Chapter 13 Bankruptcies and can have as low as $1,000.00 down with the remaining amount paid through your Plan.
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