Bankruptcy Lawyer Santa Cruz, Californiaprobankruptcy.com >> CALIFORNIA >> SANTA CRUZ
People have many reasons for filing for bankruptcy. Before considering filing for bankruptcy, consider the more deep-rooted problem that led to the situation. Although bankruptcy can often be the correct choice, it won't solve the more serious problems. Our bankruptcy law firm in Santa Cruz, California is experienced in helping everyone, from those with worrying but easily-solved problems, to those in the most dire financial straits.
Do these questions sound familiar:
- A Credit Card Company Has Sued Me, Should I File Bankruptcy?
- Can Bankruptcy Stop A Wage Garnishment?
- I Am Facing Foreclosure On My Home, Can Bankruptcy Stop The Sale?
- I'm worried if losing my job can impact on whether or not I should file for bankruptcy.
- I Have Massive Medical Bills, Can Bankruptcy Help With A Fresh Start?
- My car is being repossessed. Can bankruptcy stop this?
- I haven't paid a PayDay Loan. Can I file bankruptcy to stop being hounded?
- Does Bankruptcy Stop Collection Harassment?
- Nothing I do seems to help my situation. At what time does bankruptcy become the only avenue left open to me?
- Who is the best kind of bankruptcy lawyer to hire?
You have come to the right place if you can answer YES to any of these questions. We are happy to help you get your life back on track and ease your financial burden. We are a team of very knowledgeable and experienced attorneys who will fight your case and get you the relief you need. Are you facing repossession of your car or home? Are you being harassed by collection agency phone calls or house visits? Debts mounting up and nothing you do seems to help the situation? We can help with the best legal debt advice.
At our law offices we can give you a FREE TELEPHONE CONSULTATION where we will give you the best advice on debt and legal issues. Our advice will be led by the local bankruptcy laws in your California and we will offer alternatives to bankruptcy should you need this instead to get rid of your debt worries. It is our job to help you go from bad financial times to better ones and we take our job as a responsible law company very seriously indeed. We will help you in the present and give you advice on avoiding debt and financial hardship in the future. This all starts when you call our local law office for your free initial consultation with one of our friendly bankruptcy attorneys. We'll start by looking at what your current financial difficulties are, teach you the easiest way to get out and stay out and also give you important information on bankruptcy representation in court so we can get you some much-needed relief. We are an honest company and won't take you on if we don't think your bankruptcy case will succeed.
A question you may want to ask is "Do I really need an attorney to file bankruptcy?". Many families and individuals have lost assets because of serious and even minor mistakes in filing for Chapter 7 or Chapter 13 bankruptcy. Something else that can make the situation worse instead of better is hiring an inexperienced attorney! Only an experienced law firm, with knowledgeable attorneys have the discipline and resources to make the correct decisions for you and secure the best outcome. This is the path to take to fix your financial worries, getting you relief in the process and reinstating your dreams for the future. We can stop your home being repossessed in the process and put a debt repayment plan in place. Hire a good law firm, not a bad one. Choosing the right one can save you a fortune. We are one of the best and largest in the United States. Trust us, and we will help you regain your financial dreams.
Our Santa Cruz California bankruptcy offices are waiting for your phone call.
What our bankruptcy law company brings to you are multiple important sets of legal skills that are unique to us. We will help you overcome your credit issues after we file your bankruptcy papers as well as overcome your immediate personal debt problems. We won't just leave you but if you want we can help you rebuild after and make sure you get back to good credit standing. We provide information on your local bankruptcy laws, we provide solid experience, we offer you our vast knowledge of the law, and most importantly we offer you the ability to rely upon us and trust us in helping you overcome your debts. We are one of the biggest and most trustworthy firms in the USA but we always feel local as we have specialist county offices. Cal us now to get your free consultation organised.
Browse through our website to learn more about the bankruptcy process, but never let this knowledge replace the guidance and counselling from our specialist bankruptcy attorneys. You can call us to discuss the definition of bankruptcy, various chapters in the bankruptcy code that are available to you, as well as information regarding the options you can choose that match your situation. You need a law firm that will tailor a solution specific to your financial situation.
It is important to us that you are fully informed as possible before you begin the bankruptcy process. You need the correct and accurate information here. There can be consequences as well as benefits to bankruptcy and we will make sure you have all the correct information to feel you can move ahead with confidence. You may already have some knowledge but have questions you need answered. We will explore all the strategies open to you over the phone and then follow this up with a consultation should you want to proceed. Once you have made your decision, we will go straight into the process without wasting time and so the more informed a client you are, the better for everybody. We certainly don't want you to hesitate because you feel like you don't have the knowledge to make a decision.
Experienced Legal Representation
Experienced lawyers are best placed to trust to take you through the bankruptcy process. You need to like and trust your law firm. We are sure you'll find that the experience our large team of lawyers have amassed over the years can be trusted to help you in your current situation and also assist you to not fall into the same financial traps in the future. It's so easy to make the same mistakes in the future you have made in the past and it is a priority of ours to try not to let this happen. Trust our bankruptcy office to have the knowledge and experience of the law to get you the best possible result. Get your free consultation by calling us today.
Accessibility to our Law Firm
Having your lawyer by your side and your law firm at your back is really important for building your own peace of mind. Our bankruptcy lawyers are all local but have the backing of one of the largest law companies in the US with all the resources of a national agency but local accessibility. We will always be there to answer your questions and conduct your bankruptcy process in an efficient manner, communicating with you by phone, email or any other way that's convenient for you.
Communication is of the utmost importance in our professional relationship. We can move through the process smoothly and quickly if you return the information promptly. You'll find us easy to approach and confident in the answers we give to your questions. We give all our clients many ways to contact us as we know most of them are very busy people. We will help you reach your goals, answer all your questions and concerns and represent you in the most professional way possible. We'll put together a debt settlement or bankruptcy plan, assist you with advice and move forward as quickly as possible. Please feel free to contact us with any concerns you may have and you will find us approachable, professional, friendly and direct.
We Offer Affordable Payment Plans
Our payment plans' affordability is well known in the industry. Can you make payments to clear your bankruptcy fees? Of course you can! It might surprise you just how affordable our rates are since they are admired throughout the whole industry. It's important that these questions are answered so you can move forward comfortably and quickly and have faith in the law firm representing you. We will be sure to offer more than our competitors and keep you up to speed.
Local Expertise And Representation for your state. How we can represent you and offer our Expertise in California
The correct filing needs to be prepared carefully to satisfy your local trustee office and we need to take both your local laws and customs into consideration. A detailed analysis of both state and federal exemptions is needed to build the best strategy to safeguard your current assets.
State exemptions may be more appropriate for your situation, or federal ones and we will negotiate with you which route to take. We can use our experience to best apply these bankruptcy laws. We will prepare your bankruptcy petition and file it with your local court, communicating professionally with your local bankruptcy trustee.
You'll be required to get together all the relevant documents for submission to our secure system after you attend your initial 341 hearing (meeting of creditors', and we'll be with you every step of the way. You'll be required to gather all your paperwork and we will be there to give you advice on this. We'll be with you from the commencement of proceedings until your bankruptcy is complete and discharged.
We will help break the process down into a manageable plan, giving you a clear view of how to get through to the end. We will counsel you every step of the way until the discharge of your bankruptcy. With us you'll soon be able to see the light.
You should call our main office ASAP on (831) 274-3100 for your initial phone consultation and to arrange your face-to-face meeting in our local branch; both free of charge. We can then get a meeting organised with your local branch. The local office will give you legal advice, prepare your filling for you and also help you with your repayment plan.
What Kind of Bankruptcy firm suits my needs?
After I've decided to file for Bankruptcy, what should I look for in a lawyer?
Let's offer a few suggestions for your lawyer search. Let's say you're seriously looking at law firms and good lawyers to help you navigate through the process.
An initial consideration may be the price of hiring a lawyer. For many people, the underlying issue is lawyer costs and even before the first call they may be asking themselves, "How much is too much?" You shouldn't necessarily hire the cheapest lawyer you can find, even if cost is the most important aspect of hiring a lawyer for you.
There are several things to consider before you decide whether the costs of hiring an attorney will work out for you. Most debt -relief firms will accept a flat fee and you should ask yours whether this is the case with his firm. Also be sure to ask what exactly you'll be covered for in your representation, and what will be considered extras. The most important thing you need to know BEFORE you proceed are your general costs to file.
Also consider your lawyer's experience and whether he has done his time on filing bankruptcies. An expert needs to be board certified in helping bankruptcy consumers file for debt relief through federal bankruptcy. being board certified means that the lawyer has completed a pretty vigorous qualification process, but someone who is not board certified doesn't necessarily mean they can't do the job. You need to decide what is most important for you.
It might not be a wise choice to hire a lawyer directly out of law school to file your bankruptcy. A better choice might be a very experienced attorney, even if he hasn't got his board certification. The question should really be whether or not they have the necessary and demonstrable experience and despite this lack of certification might be the perfect choice for you.
Considering your law company's accessibility is important too. Lack of communication can be one of the most frustrating aspects of dealing with law firms. Especially when you can't get a decent response even after multiple calls emails and office visits.
Consumer and business attorneys have disfferent skill-sets and experiences and you need a consumer one. Chapter 13 and chapter 7 are the two names we give to the most common types of consumer filings. And under the bankruptcy code these are the most likely to be used for consumers. The lawyer probably won't be the one you're looking for if he is more used to dealing with business bankruptcies than consumer ones.
Consider the general atmosphere at the law firm as this is something you need to think about. Are they overly pushy? Are they properly organized or do they push you to sign and then out the door? Don't feel like you are caught in the middle of a "bankruptcy mill" since you need to feel comfortable with these lawyers that you'll be spending a considerable amount of time with. You need an experienced and adaptable lawyer and a common complaint is that lawyers are not able to handle little hiccups in the process. They usually have a one-size-fits-all approach and if there is anything which throws this process off, they are unable to handle it. These high-volume forms and are known in the legal industry for unhappy clients and poor & sloppy legal work. They are even known to give you dodgy advice that can end up with you being in serious trouble with the court. Run a mile if you come across a law firm with these poor attributes.
It's normally pretty easy to assert whether you're dealing with one of these high-volume law firms on your very first visit. You don't want to be rushed into a signature before your financial situation is properly analyzed. If you feel you are being rushed into signing before you are ready then be ready to leave the office quickly. Questions about various financial aspects such as which of your debts are dischargeable, which of your assets are exempt, your bankruptcy goals and whether there are better choices besides bankruptcy need to be asked even in straight-forward cases.
This might be so simple as to be hardly worth mentioning but we think it's especially important you feel comfortable with your lawyers. Don't hire a lawyer until you feel totally at ease with your law firm. This is an important decision so please listen to your gut instinct! Your attorney and their staff's bedside manners are almost as important as their skills and experience since you will spend a lot of time with them discussing some sensitive matters. You don't want to move ahead only to find you have made a mistake. All for one, and one for all! We hope you'll give us a call today and find that we're a great fit for you moving forward! (831) 274-3100
Give us a call free, at out head bankruptcy office in Santa Cruz, California on (831) 274-3100 or fill out our call back form to see if we can be the answer to your financial prayers.
Contact us today! – (831) 274-3100