Redding Bankruptcy Attorney

I help clients eliminate debt in Chapter 7 bankruptcy and save their homes in Chapter 13 bankruptcy. In Chapter 7 bankruptcy, I eliminate credit card debt, medical bills, loans, and many other forms of unsecured debt. In Chapter 13 bankruptcy, I stop foreclosure and help clients keep their homes. To receive a free phone consultation and learn more about bankruptcy, I encourage you to call my direct line at (916) 500-0704.

Affordable Fees

I understand that my clients are in financial distress. Accordingly, I have a reputation for charging low, flat fees for most Chapter 7 bankruptcy cases. This low fee allows many clients to retain a bankruptcy attorney and file bankruptcy confidently. Specifically, it has helped hundreds of our clients file Chapter 7 bankruptcy and eliminate millions in debt.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the most popular form of bankruptcy in Redding, CA. In Chapter 7 bankruptcy, you can eliminate most debts, including credit cards, medical bills, and unsecured loans. However, not everyone qualifies for Chapter 7 bankruptcy. Individuals with high income over the past 6 months or who filed bankruptcy in the past 8 years may not be eligible to file. Likewise, individuals in the midst of divorce may want to wait until the divorce is finalized before filing for bankruptcy. There are many considerations for when you should file for bankruptcy, so call our attorney at (916) 500-0704 for a free phone consultation. In many cases, our recommendation for when a client should file bankruptcy has allowed clients to file Chapter 7 vs Chapter 13 bankruptcy.

Protect Your Property

Chapter 7 bankruptcy is known as the “liquidation” form of bankruptcy, but that name is misleading. Technically, property that cannot be protected through State or Federal exemptions can be seized and sold by the Chapter 7 Bankruptcy Trustee. In turn, the sale proceeds are distributed to creditors in order of priority. This process occurs in “asset” Chapter 7 cases, but in the vast majority of cases, no assets are sold. When 100% of the property is protected in chapter 7 bankruptcy, the case is known as a “no asset” bankruptcy, and in the vast majority of our cases, all property is 100% protected.

Chapter 13 Bankruptcy

While chapter 7 bankruptcy is the most popular form of bankruptcy due to the quick elimination of debt and low fee, there are some situations when chapter 13 is superior. If individuals are disqualified from chapter 7 bankruptcy due to high income, chapter 13 bankruptcy can provide a path to debt relief through something akin to debt consolidation that creditors are forced to accept. In addition, Chapter 13 bankruptcy can stop foreclosure and save your home through a 5-year repayment plan.

Wage Garnishment & Foreclosure

Sometimes bankruptcy is the last option when faced with wage garnishment or foreclosure. Many clients cannot afford a 25% deduction from their wages until the entire judgment is paid in full, so they turn to Chapter 7 bankruptcy. Likewise, few clients can afford to lose their homes to foreclosure, so they hire us to save their homes through Chapter 13 bankruptcy. No matter what form of debt collection you are facing – foreclosure, wage garnishment, bank levy, or a lawsuit – filing bankruptcy with the Redding Bankruptcy Court can potentially stop the collection, save your property, and eliminate the underlying debt.

Free Phone Consultation

All clients are welcome to visit our Sacramento office for a free consultation, but we understand that many callers need answers now. Accordingly, we offer free phone consultations Monday through Friday from 9 AM to 5 PM to anyone who calls us at (916) 500-0704.