You deserve a fresh start. You could be considering bankruptcy due to the occurrence of many different unexpected events. These could include medical bills, an expensive divorce, or loss of job. In these difficult economic times, declaring bankruptcy may be your best course of action to protect yourself from greedy and overbearing creditors. At Justice Law Group, we are always available for a free consultation to determine whether bankruptcy is your best course of action. If so, we have extensive experience with bankruptcy matters, from simple Chapter 7 to more involved corporate reorganizations under Chapter 11.

Benefits of Filing for Bankruptcy

When you are overwhelmed by debt, filing for bankruptcy may be your best option for debt relief. Immediately after you file bankruptcy, the bankruptcy court places an automatic stay on collection of your debts. This means that all your pre-bankruptcy creditors must immediately stop contacting you.

Harassing calls and letters from creditors will cease, wage garnishments and repossession actions will stop and foreclosure proceedings will come to a halt. This provides much needed breathing room and time to create a plan for you and your family to regain financial stability.

Bankruptcy can protect you from:

Foreclosure of your homestead

Repossession of your automobiles

IRS harassment

Pending lawsuits

Judgments

Creditor harassment

Garnishment of wages

Telephone harassment

MOST PEOPLE STILL QUALIFY FOR BANKRUPTCY! Many people believe that the recent changes in bankruptcy laws have eliminated their ability to file bankruptcy, when in fact, most people do still qualify.

CHAPTER 7 BANKRUPTCY is an affordable solution for people with limited income or resources. It can eliminate your obligation for large amounts of debt, especially credit card debt. In many cases, you will not have to give up any of your property or assets under California’s “wildcard” exemption. Chapter 7 Bankruptcy is designed to give people a fresh start when they are struggling to keep current on bills and is a means to put an immediate end to harassing phone calls, legal action and garnishment by creditors. We welcome the opportunity to discuss your specific situation and determine if a Chapter 7 Bankruptcy is right for you.

CHAPTER 13 BANKRUPTCY allows people who have significant income or assets to restructure their debt in a way that will allow them to pay back some or all of their liabilities in monthly installments over a set period of time. A Chapter 13 Bankruptcy Plan can be worked out that will provide you with fixed payments for three to five years with no interest or penalties. This can be used to either eliminate some of your debt or to allow you to catch up when you are late on mortgage payments or other secured loans. Chapter 13 is also an option for people who wish to pay back all of their debt but who need a structured payment plan to do so. We will work with you every step of the way through the process.

We will prepare all documents in close consultation with you, to ensure that your case goes as smoothly as possible, and without aggravation.

We will personally prepare you for the meeting of creditors so that you will be prepared to answer the questions that you are asked under oath.

Even after your case is closed, we will remain available to ensure that your creditors do not contact you.

We look forward to serving you….