Sherman Oaks Bankruptcy Lawyer
Bankruptcy Attorney Sherman Oaks is helping you secure your financial future! Call our Bankruptcy Lawyer in Sherman Oaks today!
Sherman Oaks Bankrupty Attorney
Ever wonder what it would be like to never pay your credit card bills again? Tired of getting one past due medical bill after another? Want to get stop all wage garnishment actions and lawsuits? Need to stop an impending repossession of your car or other property? What if you could start answering your phone again without any fear of a nasty debt collector threatening you and pressuring you to "just make a payment now"?
It may seem like a fantasy that is simply too good be true. If you can qualify, however, Bankruptcy attorney Sherman Oaks can make all of these dreams come true. Bankruptcy is unquestionably one of the most powerful financial tools on the planet. Yet, many people struggle for years before even learning how easy it can be to qualify for bankruptcy protection and relief. Bankruptcy lawyer Sherman Oaks are here to help.
Bankruptcy lawyer Sherman Oaks
Bankruptcy offers immediate and comprehensive relief to people who are overwhelmed by debt and see no way of paying their bills for the foreseeable future. As soon as a bankruptcy case is filed, all bill collectors must stop immediately. A bankruptcy filing stops foreclosures, repossessions, nasty phone calls, lawsuits, garnishments, license suspensions and most other kinds of debt collection.
As many Bankruptcy attorney Sherman Oaks will tell you, there are several forms of bankruptcy. During your first appointment, you will determine which one is the best one for your situation.
Bankrupty Lawyer in Sherman Oaks is proessional
In a Chapter 7 bankruptcy, if creditors receive anything it is from the sale of the debtors’ property by a bankruptcy trustee. Most people who file a Chapter 7 do not have to sell any of their property. Bankruptcy laws allow exemptions that protect property so the debtor can have an effective fresh start after the case is over. Retirement accounts are protected by exemptions. Most people do not lose their homes, cars or any personal property because they are sold to pay creditors. Call our Bankruptcy attorney Sherman Oaks today for a free consultation.
Sherman Oaks Bankrupty Attorney is fast
Chapter 13 bankruptcy, debtors make monthly payments to a trustee who divides those payments up to creditors according to a plan that lasts three to five years. The means test, along with future income and expenses, determine how much the creditors get paid. this is why you need to hire a Bankruptcy lawyer Sherman Oaks. Some people may want to file a Chapter 13 for the added benefits that come from being in a Chapter 13 plan, such as the ability to pay back mortgage payments or to consolidate tax debt, car loans or other difficult debt in one monthly payment. Bankruptcy Lawyer in Sherman Oaks will help with In both Chapter 7 and Chapter 13, the debtor will probably only have to attend one hearing called a meeting of creditors. This hearing is held with the trustee who takes testimony under oath to verify that the information in the bankruptcy case is truthful, honest and complete.
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Why Choose a Sherman Oaks Bankruptcy lawyer
When you have trouble keeping up with your debts, it's easy to feel overwhelmed. You want your life back. You want to pick up the phone and not be afraid that it's an angry bill collector on the other end. You have thought about Bankruptcy Lawyer in Sherman Oaks but all you hear are bad things about it... and you worry about your future. All you want is your life back!
The truth is Chapter 7 bankruptcy is not failure. Its a chance at a fresh financial start. It's your legal right to shake off the chains of excessive debt that are holding you down and to begin again. I help hundreds of people every year relieve themselves of the financial challenges that are holding them back.
In order to make an informed decision about bankruptcy, you need to understand the benefits and limitations of each of your options, including bankruptcy and non-bankruptcy options. At Sherman Oaks bankruptcy Attorney, we will personally meet with you to explain your options so that you understand your choices and make a true informed decision.
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Make the ritgh choice call Bankruptcy lawyer Sherman Oaks now
Some creditors view bankruptcy is bankruptcy, and whether you are filing due to a divorce, credit card debt, foreclosure, or medical expenses, it is all the same.Aat Bankruptcy Lawyer in Sherman Oaks we know the laws. The bankruptcy code does not distinguish between debtors driven into bankruptcy by medical bills and those who become insolvent due to other reasons. However many mortgage lenders take into consideration what they term a "medical bankruptcy" due to the majority of ones debts being incurred due to medical issues. There is currently legislation pending in congress to help those who face bankruptcy due to medical debts and to create a class of bankruptcy called Medical Bankruptcy.
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Bankruptcy lawyer Sherman Oaks can stop foreclosure on your home.
Many interesting and valuable options are available to Debtors in Chapter 13 cases that are not optional in Chapter 7 cases. Bankruptcy attorney Sherman Oaks is a free no obligation team call now.
STOP A FORECLOSURE SALE AND CATCH UP ON YOUR HOME MORTGAGE – For example, if you are behind on your home mortgage, arrears can be cured within the Chapter 13 Plan over a period of 3-5 years.
PROTECTION FROM CREDITORS – Chapter 13 protects individuals from the collection efforts of creditors; permits individuals to keep their real estate and personal property, and provides individuals the opportunity to repay their debts through reduced plan payments.
CATCH UP ON PAST DUE CAR PAYMENTS contact Bankruptcy Lawyer in Sherman Oaks– Car loans are frequently paid through Chapter 13 Plans including past due amounts. You may be able to prevent and/or reverse repossession. In addition, interest rates are almost always dramatically lowered.
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Why Choose us
MODIFY YOUR HOME MORTGAGE WHILE IN CHAPTER 13 call Bankruptcy attorney Sherman Oaks now. – Individuals often attempt to negotiate a mortgage modification with a lender while in Chapter 13.
CESSATION OF INTEREST AND PENALTIES ON TAX DEBT IN CHAPTER 13 – Certain tax repayments can be made easier by virtue of elimination of interest payments. This can be a tremendous benefit that your attorney can assist you in accomplishing.
ELIMINATE SECOND MORTGAGES AND OTHER LIENS UNDER CERTAIN CIRCUMSTANCES don't delay contact Sherman Oaks Bankruptcy lawyer – You may be able to get rid of junior liens on your real property including second mortgages (known as a “lien strip”). If the fair market value of your property is less than the total amount owed on the first mortgage, then you can eliminate the security interest to any junior lienholders and treat them as general unsecured creditors in your plan (thereby being able to possibly pay them less than 100%).
Bankruptcy lawyer Sherman Oaks is caring
Regardless of the circumstances surrounding your financial problems or the reasons you may be considering bankruptcy, we are confident that Bankruptcy lawyer Sherman Oaks can help you find an ideal approach that will allow you to move forward in life. With our extensive knowledge law and federal bankruptcy laws, Bankruptcy attorney Sherman Oaks are confident that our attorneys can help you explore your bankruptcy options and represent your interests during a bankruptcy case.
Whether or not you should file bankruptcy depends on your particular circumstances. In your initial consultation with Bankruptcy Lawyer in Sherman Oaks, we’ll look at your situation and provide you with options. We may be able to help you resolve your financial difficulties through other means, or we may recommend bankruptcy.
The Fair Credit Reporting Act, 6 U.S.C. Section 605, is the law that controls credit reporting. The law states that credit reporting agencies may not report a bankruptcy case on a person’s credit report after ten years from the date the bankruptcy case is filed. Other negative account information is removed after seven years. The larger credit reporting agencies belong to an organization called the Associated Credit Bureaus. The policy of the Associated Credit Bureau is to remove Chapter 11 and Chapter 13 cases from the credit report after seven years to encourage consumers to file under these chapters. The Bankruptcy Court has no influence over these reporting policies and ourSherman Oaks bankruptcy Attorney know the laws .
Sherman Oaks Bankruptcy lawyer deals with chapter 13
Chapter 13 of the U.S. Bankruptcy Code provides a court-supervised method for you to pay back creditors over a period of time of up to five years. You file a plan for repayment with the bankruptcy petition or within two weeks. Payments must begin within 30 days after the case has been filed. The payments are made to a Trustee, who pays your creditors after the plan has been approved by the court call Sherman Oaks Bankruptcy lawyer today.
Bankruptcy lawyer Sherman Oaks will deal with creditors
You are under bankruptcy protection from the moment your petition is filed and a case number is assigned. Once your petition is filed, there exists an automatic stay, or suspension, of virtually all litigation and other action by creditors against you or your property. In other words, once your petition has been filed, creditors cannot start or continue most legal actions, such as foreclosure of liens, garnishments, trials, or any action to repossess your property. Creditors can, however, ask the court to allow them to pursue or continue legal collection actions, but must show cause for doing so. Contact our Bankruptcy attorney Sherman Oaks to deal with these stressfull times.
Bankruptcy Lawyer in Sherman Oaks will navigate your debt.
Sherman Oaks Bankruptcy lawyer understand the stress that high levels of debt can cause, and the financial difficulties clients experience trying to maintain this incredible burden. We realize that despite your best efforts at cutting back expenses, budgeting, and credit counseling, you may still feel like your debt is swallowing you whole – endless calls from debt collectors, threats of wage garnishment and approaching car repossessions. Every time you answer the phone, you fear the caller and the consequences of your words.
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- Sherman Oaks Bankruptcy lawyer
Sherman Oaks bankruptcy Attorney
Bankruptcy lawyer Sherman Oaks
Bankruptcy attorney Sherman Oaks
Bankruptcy Lawyer in Sherman Oaks
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