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Redding, California, Bankruptcy Lawyer
Debt can affect people of all backgrounds. Divorce, a sudden illness, job loss or any number of life events can result in financial difficulties. For people who are overwhelmed by debt — people facing threats such as foreclosure, car repossession and wage garnishment — filing bankruptcy may be a viable option. At the law office of Bonnie Baker, Attorney at Law, we identify the unique needs of each client to determine if filing bankruptcy is advisable.
Are you overwhelmed by debt? Are you receiving harassing phone calls from creditors? Filing bankruptcy may be an option. Contact our firm today to arrange your free 90 minute consultation.
How can bankruptcy help consumers?
Most people facing overwhelming debt are often going through several different stressful situations. They may receive daily communications from creditors through the mail and by phone. They may be worried about losing their home through foreclosure or their vehicle through repossession. Still others might be concerned about threats of wage garnishment.
When our firm files a bankruptcy petition on your behalf, an automatic stay will be issued. The automatic stay will put an immediate halt to any attempts by creditors to collect a debt. Bankruptcy can stop harassing phone calls, foreclosure, repossession and wage garnishment.
Chapter 7 Bankruptcy and Chapter 13 Bankruptcy
Bankruptcy laws require individuals to qualify for Chapter 7 bankruptcy under a means test. The means test considers the individual's income relative to the median income of California. In Chapter 7, debt is liquidated and discharged. For people who are not eligible for Chapter 7, Chapter 13 bankruptcy becomes the next option. In Chapter 13, consumers enter into a three to five year repayment plan. Bankruptcy is also available to small businesses.
If you are interested in learning more, contact our office today to arrange your free 90 minute consultation.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.