The attorney helps clients with Chapter 7, Chapter 13, Chapter 11, Lien Strips, and Budgets. She is also available to advise parties touched by someone else's bankruptcy or speak to groups and organizations about bankruptcy law. See below for more information or contact the attorney.
A Chapter 7 is a good fit for people who are unemployed or on a fixed income and who do not have many assets. It can also be a good fit for people who are working, but living paycheck to paycheck. A Chapter 7 discharge will eliminate most credit card debt, but it usually does not change your car, home, or tax liability.
A Chapter 13 is a good fit for people who are trying to save a home or a car, especially if you've fallen behind on payments. It is also a good fit for people who owe taxes. The attorney will put all of your auto, credit card, and medical bills together into one monthly payment. Once the bankruptcy trustee and judge approve your plan, those creditors are forbidden from coming after you.
A Chapter 11 is a good fit for people with multiple properties or businesses who want to reorganize, but don't qualify for a Chapter 13. People who file Chapter 11 plans need to get their creditors' approval, but they also have a bit more flexibility to craft a plan that works for them.
A lien strip is a motion to get rid of your second mortgage. In order to qualify, your home must appraise for less than what you owe on your first mortgage. Then, in combination with a Chapter 13 or Chapter 11 bankruptcy, the attorney can eliminate some or all of your second mortgage. The attorney has helped over 100 families strip away their second loans and keep their homes.
Not interested in filing a bankruptcy or not eligible for one? Let the attorney create a budget or debt repayment plan for you.
Other Bankruptcy Assistance
Occasionally when business partners or family members file a bankruptcy, you will receive a notice of filing or a letter from the trustee. The attorney is available to advise you of your rights and responsibilities, file proofs of claim or other paperwork with the court, and respond to the trustee.
Bankruptcy law touches on many different areas of life. The attorney has spoken about debt management and bankruptcy on KTVU - Channel 2, with high school students, the Chamber of Commerce, and other business groups. If you would like her to speak to your civic or religious group, please contact the office. Most presentations are free of charge.Interested in learning more?Contact the office today