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Your First Attorney?
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.
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Foreclosure & Loan Mods.
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Meet The Attorney.
Richard A. La Cava is a recognized authority on consumer bankruptcy proceedings and the 2005 Bankruptcy Abuse Prevention and Consumer Protection Act (“BAPCPA”). He has lectured to audiences of attorneys and judges alike on the implications of this new and its complex set of statutes. Mr. La Cava is committed to helping consumers exercise their rights under the new law.
With over 20 years of experience in the bankruptcy field, Mr. La Cava has been dedicated to helping thousands of individuals and small businesses recover from the burden of overwhelming debt. Your consultation with him will put your mind at ease. Knowing how bankruptcy can help your situation is the beginning to your full recovery.
Mr. La Cava trained with the largest bankruptcy firm in San Diego before establishing his private practice in San Francisco in 1988. He is a member of the California Bar Association and the National Association of Consumer Bankruptcy Attorneys. NACBA is the only national organization of lawyers dedicated to protecting the rights of consumer debtors in bankruptcy.
We Do Not Represent Creditors.
“Society creates this stigma about our finances and what it means to declare bankruptcy,” says Mr. La Cava, “but I like to remind my clients that these laws are on the books for a purpose.”
“Bankruptcy is intended to help relieve the burden that would otherwise make it impossible for some to pay off their debts,” explains Mr. La Cava. “Even creditors acknowledge that it is better to write off some debts than to spend more time and money pursuing an account when doing so only makes it harder for the consumer to repay. Without the protection that bankruptcy laws offer, we would still be living in the dark ages of sending people to ‘debtor prison’ because they owe money.”
“The Law Offices of Richard A. La Cava and The Affordable Bankruptcy Center are unique because we focus exclusively on those in need of bankruptcy protection – not creditors.”
We Represent People Like You.
There is no 'average' bankruptcy client. Everyone is unique, representing every socio-economic, age, gender, strata. Our clients are a rainbow of society: wealthy, middle-income, lower-income, young, experienced, male, female, tall, not so tall, etc., etc. Our clients have one thing in common, though, they are hard-working people. A lot of stereotypes about bankruptcy and the people who file exist, but our experience, not one is true. Bankruptcy is a legal action like any other and the action has been taken by a true cross-section of people. Protecting the financial interests of you and your family is a wise and prudent action. The courts do not view bankruptcy with a punative or suspicious eye. In fact, it is in the interest of society that those who have financial burdens are able to release the burdens they cannot escape on their own. The courts want everyone to be financially steady, and productive members of society.Filing For Bankruptcy Without An Attorney.
Your Situation Is Unique.
But you are not alone. The same path to bankruptcy relief is not taken by every individual. But within our current economic situation, common factors can push you over the brink. Our offices have decades of experience handling bankruptcies which stem from one or more common origin.
Job loss
Salary reduction
Credit cards
Medical bills
Divorce
Family tragedy
Natural disaster
You need to have an experienced professional represent your interests. Beware of boilerplate bankruptcy solutions, and the agencies which churn them out. Our offices custom tailor your bankruptcy filing to get the best solution for you. A poorly constructed bankruptcy filing can do more harm than good. Our office stands upon its reputation and experience over decades of filings.
