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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.
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Aren't There Other Chapters?
You've Decided.
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As Soon As You Hire Us.
Help! Sharks Are At The Door!
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Wage Garnishments.
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Priority Debts.
Secured Debts.
Unsecured Non-Priority Debts.
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Keeping Your Car.
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Bankruptcy Laws Changed in 2005.
Chapter 7 Means Test.
Mandatory Credit Counseling.
Qualifying for Bankruptcy.
Filing Again.
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Your Consultation: (415) 282-8960
The Law Offices of Richard A. Cava offers a free consultation with the attorney. This is a great opportunity for you to learn about how bankruptcy may work for you. There is no pressure to hire us or to go forward with a bankruptcy. You may ask any questions you like during your 45 minutes with Richard A. La Cava. Your consultation will not focus on general information, but will be an evaluation specific to your current situation.You will bring in documentation of your bills, if you have a home you will bring documents about your home and mortgage, recent paystubs to document your earnings, and your tax documents. The specific list of documents will be confirmed in your phone interview prior to your consultation.
In your phone interview we will ask you about 10 questions. These questions determine if our office can represent you. For example if you live outside of California, we may not be able to represent you in a court located within California. If it is possible for our offices to provide representation to you, we will give you a short list of documents for you to bring with you. You will then select a date on the calendar for you to meet with Richard A. La Cava for your free consultation.
Is A Consultation Worth Your Time?
It certainly is! Did we say it's free? It is.
Maybe you aren't sure if you want to file for bankruptcy, but if your situation worsens, filing might become an option. During your consultation, a good topic to discuss might be which debts you should attempt to pay down first. Knowing the difference between how secured, priority, and non-priority secured debts are handled in bankruptcy could help you decide how to go forward. The attorney can advise you on the particulars of your situation.
Maybe you or your spouse is pregnant. Should you file before or after the birth of your child? Well, depending on the state of your debts, it might be adviseable to wait until after the birth incase debts are encurred during the birth. Debts which come after you file for bankruptcy would require your bankruptcy to be amended to see if they could be included. The attorney will explain, relative to your particular situation, the pros and cons of filing now or waiting.
Maybe both you and your spouse are considering bankruptcy. If you jointly file for bankruptcy, all debts might be included in your bankruptcy. But maybe it is possible for one of you to file and not the other, thereby leaving one of you with much better credit. Although the spouse who does not file will not receive bankruptcy protection, filing for bankruptcy as an individual might make sense depending upon with whom the debt rests, and what type of debt it is.
As you can imagine there are a lot of factors to consider before you choose to file or not. A free consultation will be well worth your time. You will be meeting with Richard A. La Cava in our Noe Valley Offices during office hours. We also offer Saturday appointments.
Start The Ball Rolling.
Call Us. If this is your first call to our offices, leave a couple minutes open so we can ask you a few questions about your situation. If you choose to meet with Richard A. La Cava for your free consultation, we will ask that you bring with you a short list of documents, and you will choose a date on the calendar for your meeting.
The Law Offices of Richard A. La Cava
The Affordable Bankruptcy Center
Phone: (415) 282-8960
Telefono en Espanol: (415) 692-5405
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