$900 Woodland Bankruptcy Lawyer

I help clients in Woodland CA eliminate debt through bankruptcy. In chapter 7 bankruptcy I eliminate credit card debt, medical bills and loans for only $900 in attorney fees. In chapter 13 bankruptcy I consolidate debt into a 5 year repayment plan and save homes from foreclosure and cars from repossession. To learn more about bankruptcy call me at (916) 500-0704 Monday through Saturday from 8 AM to 6 PM for a free phone consultation.

$900 Chapter 7 Bankruptcy

I have a reputation for charging less than many Woodland bankruptcy attorneys. In most cases, I only charge $900 in attorney fees. For that fee I provide the same level of service as any other local bankruptcy attorney. I draft the bankruptcy paperwork, electronically file the case to stop creditors, and represent clients at the meeting of creditors and throughout the case until the court files a discharge order eliminating debt.

Who Should File Chapter 7 Bankruptcy?

Everyone should speak with a bankruptcy attorney to decide if chapter 7 bankruptcy is the best decision. With that said, there are some commonalities between chapter 7 bankruptcy cases. First, clients usually have unsecured debt like credit cards, medical bills, pay day loans, or personal loans. Second, clients qualify for chapter 7 bankruptcy based on low income; the client’s income for the past 6 months is lower than the California median income for a household of their size. A bankruptcy attorney makes this determination during a free consultation. Lastly, clients don’t own valuable property. In chapter 7 bankruptcy only certain assets up to certain values can be protected, so it’s important to speak with a bankruptcy attorney before filing chapter 7 bankruptcy.

Chapter 13 Bankruptcy

People in Woodland usually file chapter 7 bankruptcy because they have equity in their home or make too much money and can’t qualify for chapter 7 bankruptcy. In chapter 13 bankruptcy homeowners can stop foreclosure and save their home through a 5 year repayment plan. Likewise, car owners can stop repossession and save their car through a 5 year chapter 13 repayment plan. As chapter 13 bankruptcy requires confirmation of a chapter 13 plan nearly everyone who successfully files chapter 13 bankruptcy is represented by a bankruptcy attorney.

Stop Creditors, Foreclosure & Repossession

Filing bankruptcy creates an automatic injunction against creditor collection actions. In other words, once a bankruptcy petition is filed creditors cannot call, send letters, file a lawsuit, foreclose on a home, repossess a car, or garnish wages. This automatic injunction is known as the Automatic Stay in bankruptcy and arises under Section 362 of the Bankruptcy Code. The Automatic Stay and the protection it offers our Woodland bankruptcy clients is one of the major advantages of bankruptcy.

Free Consultation

Filing bankruptcy can eliminate debt and provide our clients with a fresh start, but it’s not right for everyone. To learn more about bankruptcy and find out if you qualify call us for a Free Consultation.  Bankruptcy attorney Adam Garcia represents clients across Northern California including Chico, Modesto, Fairfield, and Redding.  You can reach us at (916) 500-0704 Monday through Saturday from 8 AM to 6 PM.