Real Estate Foreclosures


STOP foreclosure immediately! 

By filing a Chapter 13 bankruptcy petition, the "automatic stay" of a bankruptcy case is imposed all foreclosure proceedings. 

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Taxes Garnishments


Stop wage garnishments, collection actions and levy by government agencies, such as the IRS, the Franchise Tax Board, EDD and State Board of Equalization. Once a Bankruptcy case is filed, all collection and garnishment are stopped. Keep your money in your account and stop the garnishment and levy. 

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Vehicle Loans


Immediately stop all repossession attempts, get back vehicles that have already been repossessed, and even reduce your interest rate on existing vehicle loans. In a Chapter 13 Bankruptcy case, you can restructure your vehicle loan, cram down the loan balance and the interest rate and have more time to pay it back.  In a Chapter 7 case, you will have a chance to renegotiate with the lender on your car loan. 

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Credit Cards & Medical Bills


Credit Card payments getting too high? Collection agents calling you and your family at all hours of the day? We can stop all collection actives and give you a new start.  You can discharge all your credit card debts as well as personal and payday loans in both the Chapter 7 and Chapter 13 Bankruptcy cases.  Stop all the collection calls and the attempts to garnish your wages today! Keep your money and walk way from debt.  Begin a new financial start today. 

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Lawsuits & Collections


Received a summons to appear in court? Have an abstract of judgement recorded against you? Are you wages been garnished to repay a debt? We can stop all that immediately.  Filing a Chapter 7 or a Chapter 13 Bankruptcy imposes a stay on all legal proceedings against you.  This means any lawsuit is stopped immediately upon filing, and judgments entered can be discharged. 

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Personal & Payday Loans


Using payday loans to make ends meet? Having trouble paying them back? We can help you to walk way from those high interest loans and stop all payments immediately. 

Payday loan interests are very high, some are as high as 400%.  If you are weighted down by payday loans, Chapter 7 Bankruptcy can discharge all those for you.  Stop the payday loan from taking money out of your account today, and walk way with a clean credit and a fresh start. 

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Understand Your Options

Knowledge is Power!

In order for you to make the best decision for your financial situation, you need to understand the bankruptcy alternatives and the bankruptcy choices.

One of the most important things you need to realize and understand, is that there are three basic kinds of debt. 

Secured Debt

By definition, Secured Debt is debt backed or secured by collateral (physical items) to reduce the risk associated with lending. 

Creditors holding a secured debt have a security interest in a property you own, like a house, a car, household furnishings or jewelry. 

If you do not pay on a secured debt, a secured creditor has the right to enforce their security interest and collect on their debt by foreclose your house, repossess your vehicles, seize your bank account, or otherwise legally take the property.  

If you house or vehicle is under water and you will like to just walk away while you still can without having to worry what happens next, Chapter 7 Bankruptcy is the best option.  It stops any lawsuits filed by the lenders and enable you to walk away clear of any default payments. 

If you goal is to save your home or vehicle, Chapter 13 Bankruptcy can help you make catch up payments, stop any foreclosures or repossessions, and give you up to 5 years to catch up on the payments you were behind on. 

Priority Debt

Priority Debts are unsecured, but they are not dischargeable because they have a special status under the law.

Typical priority debts are recent income taxes, child support and spousal support.  

Chapter 13 Bankruptcy give you the chance to reorganize those priority debts.  Chapter 13 Bankruptcy also stops all penalties and interested on the day your case is filed.  You will be able to reorganize your priority debts and make reasonable and affordable payments without additional penalties and interests. 

Unsecured Debts

Unsecured debts are the most common debts an individual encounters everyday. These are debts like credit cards, personal loans, payday loans, cash call internet loans and the like.

Unsecured debts also include those obligations from accidents due to negligence and contractual damages from breach of a rental agreement or a business lease, as well as medical bills.

Unsecured creditors only have the promise to pay and when you can't pay, they only recourse is to sue you and attempt to execute any judgment against your assets, like garnishing your wages or levy your bank accounts.

Both Chapter 7 and Chapter 13 Bankruptcy stops all those collection attempts from your unsecured creditors, and allow you to either walk way from all the debts or pay only penny on the dollar. 

Chapter 7 v. Chapter 13

For individual consumers, there are two options in filing a Bankruptcy Case.

Option 1 - Chapter 7 also known as a Liquidation Case

Option 2 - Chapter 13 also known as a Reorganization Case.  

Know the pros and cons of each Chapter, and find the best option for you based on the kind of debts you have.

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