$900 Modesto Bankruptcy Lawyer
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Filing bankruptcy in Modesto can be affordable with bankruptcy attorney Adam Garcia. For only $900 in attorney fees you can eliminate credit card debt, medical bills, payday loans and other unsecured debts. Best of all, filing bankruptcy can give you immediate protection from creditor harassment. To learn more about filing bankruptcy with Adam Garcia call Sacramento Law Group LLP at (916) 596-1018 for a free phone consultation.
How Much Does Chapter 7 Bankruptcy Cost?
There are several costs in filing bankruptcy. The largest expense is hiring an attorney. Modesto bankruptcy attorney Adam Garcia only charges $900 in attorney fees, but other attorneys may charge more. After paying an attorney you’ll have to pay the Bankruptcy Court a $335 filing fee. However, if you cannot afford the filing fee your attorney can request a filing fee installment plan which will give you 4 months after filing to pay the $335 fee. Once approved, you’ll pay the court a little over $80 per month for 4 months. Lastly, you must pay for 2 online courses required by the Bankruptcy Code. These courses typically cost $15.
If you file chapter 7 bankruptcy with Adam Garcia your total cost will be:
- $900 attorney fee
- $335 required court filing fee. (payable over 4 months after filing)
- $15 required credit counseling course
- $15 required personal financial management course
Immediate Protection From Creditors
Filing chapter 7 bankruptcy creates an automatic stay (aka injunction) against creditor collection activities such as collection calls, letters, foreclosure, wage garnishment and lawsuits. For example, filing bankruptcy will stop a pending collection lawsuit, foreclosure, and creditor phone calls.
Debts Eliminated in Bankruptcy
- Credit Cards
- Payday Loans
- Personal Loans
- Unemployment Overpayments
- Other General Unsecured Debts
There are some debts that cannot be eliminated in bankruptcy. For example, most student loans cannot be eliminated in bankruptcy. Furthermore, child support and alimony cannot be eliminated. To learn which debts you can eliminate in bankruptcy call our bankruptcy attorney at (916) 596-1018.
Chapter 7 Bankruptcy
Most people who file bankruptcy in Modesto file chapter 7 bankruptcy. To qualify for chapter 7 bankruptcy your income for the past 6 months must fall below a certain threshold. If your income exceeds that threshold you must pass the “means test” (a calculation your attorney performs) or file chapter 13 bankruptcy. If your income falls below that threshold or you pass the means test, and you have not received a discharge in chapter 7 bankruptcy within the past 8 years, you will generally be able to file chapter 7 bankruptcy.
When you file chapter 7 bankruptcy you can protect certain items of property up to certain values. Fortunately, if you do not own a home California is very generous with how much property you can protect. In the vast majority of chapter 7 bankruptcy filed by attorneys all property is protected. With that said, call our bankruptcy attorney at (916) 596-1018 for a free phone consultation to ensure that all your property is protected in chapter 7 bankruptcy. Any property that is not protected can be seized and sold by the Bankruptcy Trustee, so a free phone consultation is very important before filing chapter 7 bankruptcy.
Note – after you file chapter 7 bankruptcy you do not have the right to dismiss your case. Accordingly, if you file chapter 7 bankruptcy and cannot protect your property from seizure/sale by the Bankruptcy Trustee (ex. a house you own in the Bahamas), you cannot dismiss your case to prevent the seizure/sale. You’re stuck after filing the chapter 7 bankruptcy petition – so call a bankruptcy attorney before filing.
Most people file chapter 7 bankruptcy because the majority of cases result in the elimination of credit card debts, medical bills, loans, and other general unsecured debts with no loss of property. Best of all, the case is over in a few months.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is reserved for individuals who make too much money to qualify for chapter 7 bankruptcy or own property that would be sold in chapter 7 bankruptcy. In chapter 13 bankruptcy you can protect all your property, but you repay all or a portion of your debts over 5 years. How much you repay depends on your debt and income. Almost all chapter 13 cases are filed by an attorney as the chapter 13 plan and requirements for confirmation are very complicated and require years of specialization in chapter 13 bankruptcy.
Chapter 13 bankruptcy is popular among clients facing home foreclosure. In chapter 13 bankruptcy you can both stop the foreclosure sale immediately and keep your home through a 5 year repayment plan. Through the repayment plan you will repay the delinquent payments while maintaining current payments. For many clients chapter 13 bankruptcy is the ultimate form of foreclosure defense.
Free Phone Consultation
The first step to obtaining debt relief is to call a Modesto bankruptcy lawyer for a free consultation. To receive a free phone consultation with our $900 chapter 7 bankruptcy attorney call us at (916) 596-1018 Monday through Friday from 8AM to 6PM.