Your options for bankruptcy attorneys are limited in Yuba City, and your options for an affordable bankruptcy attorney are even more limited. To help residents of Yuba City & Marysville file chapter 7 bankruptcy at a price they can afford Adam Garcia charges only $900 in attorney fees. This low flat fee can help you achieve debt relief today. To learn more about filing bankruptcy call Adam Garcia for a free consultation at (916) 500-0704.

How Can I Only Charge $900?

In contrast to how most people feel about attorney fees, some clients are concerned that $900 is too cheap for a bankruptcy attorney. To help put these concerns to rest let us explain how the attorney can offer such a low fee. Advertising expenses constitute the majority of expenses for most attorneys. These costs are passed onto clients in the form of inflated fees. However, clients don’t receive better service by paying inflated rates to cover advertising expenses. To help keep costs low and charge affordable rates bankruptcy attorney Adam Garcia does not pay for advertising. All of his clients find his website, make a call and come into the office for a consultation. They are happy to receive effective representation at a rate they can actually afford.

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is the most popular form of bankruptcy among Yuba City & Marysville clients. In chapter 7 bankruptcy most unsecured debts can be eliminated, including debts that result in wage garnishment or bank levy. For instance, credit cards, medical bills, and loans can be eliminated in chapter 7 bankruptcy.

Chapter 7 bankruptcy is generally faster, cheaper and eliminates more debt than chapter 13 bankruptcy. Chapter 7 bankruptcy is usually over in about 4 months after filing. In contrast, chapter 13 bankruptcy can last up to 5 years. Chapter 7 bankruptcy almost always costs less than chapter 13 bankruptcy which can cost $4,000 to $6,000 in the Eastern District of California. Lastly, clients can usually eliminate more debt in chapter 7 bankruptcy. In chapter 13 bankruptcy disposable income is committed to a 3 to 5 year repayment plan. Depending on the clients disposable income the plan may call for repaying all, some or none of the unsecured debt that would otherwise be discharged in chapter 7 bankruptcy. In reality it’s common for chapter 13 clients to repay a percentage of their unsecured debt and discharge the remainder at the conclusion of their repayment plan.

Chapter 13 Bankruptcy

If you need to file chapter 13 bankruptcy don’t be discouraged by the above description. Chapter 13 bankruptcy can be the right solution for some clients as it contains unique tools for debt relief. For instance, chapter 13 bankruptcy can save a home from foreclosure. Unlike chapter 7 bankruptcy, chapter 13 bankruptcy allows clients to cure defaults on long-term debts. As applied to houses in foreclosure, clients can repay late mortgage payments through their 3 to 5 year chapter 13 plan in addition to paying their regular mortgage payments. At the conclusion of the 3 to 5 year plan the client will be current on their home mortgage and no longer at risk of foreclosure. Saving a home from foreclosure is just one of the unique features of chapter 13 bankruptcy. To learn if chapter 13 bankruptcy is your best tool for debt relief call the bankruptcy attorney at (916) 500-0704 to schedule your free consultation.