Phone Consultation With an Attorney
When you call our office you will speak with an attorney who will spend several minutes talking with you about your financial situation.  During the conversation, the attorney will try to determine if we offer solutions that can help you.  If we can help you, we will schedule an appointment in our office to meet with one of our attorneys.

Information and Document Gathering
We will ask you to gather several documents pertaining to your finances and bring them with you to your meeting in our office with an attorney.  We will tell you the specific documents we will need.  A general list is also provided on our website.  Find out what to bring. 

Office Consultation with an Attorney
During the office consultation an attorney will answer each question you have regarding your bankruptcy options, the 2005 bankruptcy law, and your alternatives to bankruptcy.  An attorney will also review the documents you have provided, ask you questions, and fully assess your situation.  The attorney will then advise you of the specific debt relief options that are available to you.     

Debt Analysis and Debt Reduction Plan
One of our attorneys will help you decide if, and when it is right to file bankruptcy and which type of bankruptcy is right for you. Your options may include:
Loan modification, Chapter 7 Bankruptcy, Chapter 13 Bankruptcy, debt counseling and lifestyle changes, or the sale of your home.

Debt Relief Plan Execution
If we can provide you with a solution, you and an attorney in our office will jointly work together in executing your plan.  We'll need your cooperation in providing us with documents and information.  If you are seeking a loan modification you'll need to provide us with a hardship letter.  An attorney will prepare the documentation package that will be submitted to a lender for a loan modification.  For a bankruptcy filing, an attorney will prepare the petition, all the schedules and related documents, and oversee filing with the court.  After a bankruptcy petition is filed, you will be required to attend a meeting of the creditors and an attorney will represent you at the meeting.

Stopping Collection Efforts
Immediately upon filing a bankruptcy, every creditor is prohibited by law from contacting you in any way and from taking any further action to collect the debt.  This is known as the automatic stay. The stay even prohibits a creditor's attorney from contacting you directly.  In some situations during the bankruptcy proceeding a creditor, through their attorney, may request the court to lift the automatic stay.  If you are seeking a loan modification, one of our attorneys will request the lender for a written agreement to delay foreclosure action and to stop contacting you.

Life After Bankruptcy
A primary goal of bankruptcy is to provide you with a fresh start.  Most of your debts will be discharged through the bankruptcy and the creditors will no longer be able to collect from you.  Certain of your assets are protected in the bankruptcy and you will get to keep those.  Although a bankruptcy is likely to appear on your credit report, you may be eligible for home loan in as little as 2 years.

Call 951-278-2224 to speak with an attorney now.