California Law Office of Bankruptcy Attorney Seth L. Hanson
Is Bankruptcy The Best Solution For Your Credit Problems?
At the Law Offices of Seth L. Hanson, we believe that bankruptcy is a powerful solution but it isn't the right solution for everyone. Before deciding if Chapter 7 or Chapter 13 bankruptcy is the right solution for your credit problems, speak with us about the alternatives.
How Does Filing Bankruptcy Help Solve Credit Problems?
Filing bankruptcy is a powerful tool for solving many credit problems such as creditor lawsuits, foreclosure, utility disconnection, and even evictions. But you'll need the guidance of a good California bankruptcy lawyer to discover how this tool can help you get the debt relief you need.
Filing bankruptcy puts an immediate end to creditor calls and other collections efforts. Once you file Chapter 7 or Chapter 13 bankruptcy, an automatic stay stops creditors from calling you, writing you, or making any effort to get you to pay them.
If you're facing an eviction, filing bankruptcy may help you stay in your apartment. However, you'll need to file bankruptcy before the landlord gets a court order. It's important to note that California bankruptcy law won't protect you if you've damaged the landlord's property and filing bankruptcy will only buy you time so that you can eventually pay back rent. Filing bankruptcy doesn't free you of your responsibility to pay your rent-in other words you can't stay in the apartment rent free.
If you're at risk of losing your home to foreclosure, filing bankruptcy can help. As soon as you file Chapter 7 bankruptcy, the automatic stay will put a temporary end to the foreclosure process, buying you time to figure out a way to pay your mortgage and any arrears. In Chapter 13 bankruptcy you can repay your mortgage arrears through your payment plan over a three to five year period.
Stop Utilities Disconnection
Having your utilities cut off is inconvenient at best and at worse life threatening. If you're facing the shut off of you telephone, gas, electricity, or water services, filing bankruptcy can buy you more time. The bankruptcy automatic stay can stop utilities disconnection for at least 20 days, and if you're filing Chapter 7 bankruptcy, most utility debts will be discharged completely.
Dignity and Professionalism
At the Law Offices of Seth L. Hanson we believe in treating bankruptcy filers with the professionalism and dignity they deserve. Since 2006 our law firm has helped hundreds of individuals and families file Chapter 7 and Chapter 13 bankruptcy and we want to provide you with the same level of excellence that we live by.
California Locations: Sacramento, CA, Roseville, CA, and More
Bankruptcy attorney Seth Hanson practices before all divisions of the bankruptcy court for the Eastern and Northern districts of California. We have convenient locations throughout the region, including Sacramento and Roseville. Contact bankruptcy attorney Seth Hanson today at (916) 780-7005 and schedule your FREE consultation to discuss your debt relief options.