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Bankruptcy Can Do A Lot For You.
A Successful Bankruptcy.
More & More Options!
What's The Difference?
Chapters Can Be Changed.
Bankruptcy Steps.
Aren't There Other Chapters?
You've Decided.
Joint Bankruptcy.
As Soon As You Hire Us.
Help! Sharks Are At The Door!
An End To Mean Phone Calls
Lein Stripping.
Bankruptcy Will Not Affect Your Job.
Wage Garnishments.
Chapter 13 Payment Plan.
Some Debts Are Handled Differently.
Where Your Repayment Will Go.
Priority Debts.
Secured Debts.
Unsecured Non-Priority Debts.
What Happens To Your Possessions?
Keeping Your Car.
Keeping Your Home.
Bankruptcy Laws Changed in 2005.
Chapter 7 Means Test.
Mandatory Credit Counseling.
Qualifying for Bankruptcy.
Filing Again.
Meet The Attorney.
We Do Not Represent Creditors.
We Represent People Like You.
Your Situation Is Unique.
Creditor's Meeting Locations.
Contact Your Trustee's Office.
Is A Consultation Worth Your Time?
Foreclosure & Loan Mods.
Start The Ball Rolling.

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You've Decided.

Once you have completed your free consultation and you have decided to proceed with your bankruptcy, relief is in sight. All you have to do is call our office. We will set a date on the calendar for you to come in and sign your contract. From that point through the length of your bankruptcy we will be representing you and looking out for your best outcome. Immediately the benefits of bankruptcy fall into place to protect you. Creditors must now call our offices (since we represent you) and cease calling you.

Joint Bankruptcy.

If you file for bankruptcy, your spouse does not have to file with you. However, your spouse will not get the benefits of bankruptcy.

Under Chapter 7 if your spouse does not file with you, then your spouse will remain liable for joint debts and community property debts. However, your spouse will not have a bankruptcy noted on their credit report. Your spouse’s income and employment will have to be disclosed in your bankruptcy petition.

Under Chapter 13 if your spouse does not file with you, then your spouse would remain liable for any amount not paid in your Chapter 13 plan. Your spouse will not have a bankruptcy noted on their credit report.

Your spouse’s income and employment and any assets will have to be disclosed in your bankruptcy petition no mater which chapter you file.

What will happen to your home?

Well, prior to your free consultation it's hard to say. State wide comparisons, however, show most people sell their homes after they enter foreclosure. Some people are able to get back on their feet and the foreclosure is cancelled when they get a loan modification or catch up on their payments. Some forfeit their home back to the bank. Your bankruptcy can change your outcome. It is possible through bankruptcy to completely remove the amount you own on your second mortgage.

California Foreclosure Outcome Rates in 2010 (vs. 2009.)

As Soon As You Hire Us.

Something Happens As Soon As You Hire Us. (Something really good.)

Filing for bankruptcy grants you an "Order for Relief" which sometimes called an "Automatic Stay." The Order for Relief immediately stops most creditors from trying to collect what you owe them. This includes wage garnishments, seizure of bank accounts, sale of your home, termination of utilities, repossessions, and many other painful actions.

An End To Mean Phone Calls.

We know you get harassing phone calls, and opening your mail can be a dreadful task. Unfortunately, ignoring the nasty calls and threatening notices will not improve your situation. When you hire us, mean behavior by the people you owe must stop. The court does not allow related lawsuits, foreclosures, repossessions, or any other creditor harassment of you to continue. Your debts are basically frozen until you receive a judgement. From the moment you hire us, creditors cannot harass you. They must call and send their notices to our offices. It becomes our duty receive communications from your creditors who have been included in your bankruptcy.

Help! Sharks Are At The Door!

If you have received a Notice of Default and / or a Notice of Trustee Sale on your home, you may be running out of time. Our offices can perform a Rush Filing on your behalf. If you are in this position, delaying action or inaction could have devastating results. It is most likely that you should have a bankruptcy professional, like our office, step in on your behalf as soon as possible.

What about Debt Consolidation Companies?

Well, we have had lots of clients who have been working with Debt Consolidation Companies, sometimes for years. Our impression is, for these people, such services did little to improve their financial situation. But don't take our word for it.

Lein Stripping.

One of the advantages available to you in Chapter 13 bankruptcy is what is known as lien stripping. Say that the value of your home is $100,000.00 and you have a first mortgage for $200,000.00 and a second mortgage for $50,000.00. Such a home is commonly described as being underwater because the value of your home is less than the amount of your first mortgage. If you are in this situation, it may be possible for our offices to allow your bankruptcy to include a lien stripping. This would erase your second mortgage completely and you would no longer owe any money on the second!

Bankruptcy Will Not Affect Your Job.

Federal law prohibits any employer - governmental or private employers - from discriminating or taking any adverse action against you because of your bankruptcy filing.

Wage Garnishments.

Will Bankruptcy Stop A Wage Garnishment? In short, Yes. And it is possible for some of the garnished money to be returned. It depends on how much was garnished and when it was garnished. Richard A. La Cava will be able to advise you whether to expect any money to be returned to you.