• Spectacular!

    I liked your fast, friendly service. You were all knowledgeable in the area of bankruptcy. Your treatment of me as a client was spectacular! You were great at promptly responding to my questions and concerns. I loved that you provided courteous and quick responses to all my questions.
  • Highly Recommended!

    I have worked with Seth and he is the utmost professional in how he works with his clients. If you need an attorney you can trust I would highly recommend the Law Office of Seth Hanson.
  • Very Professional.

    Everyone was very professional and efficient. Seth, and everyone that I had contact with were very knowledgeable. I was very pleased with how we were treated by his staff. My questions were always answered promptly. I was very pleased with the service I received and would not hesitate to refer someone to your firm.
  • Non-judgmental.

    You were very open and answered all of my questions. You never made me feel like I was asking a dumb question. I was comfortable with your knowledge of the law. It was hard for me to make this decision to move forward in my life. Everyone was friendly to me and respectful. Non-judgmental. Every question I asked was answered promptly and appropriately. I would recommend you.
  • More Than Expected!

    I found the firm's representation to be more than what I expected. I was always kept in the loop, all my questions were answered (whether or not I asked more than once the same question), and I felt completely supported by the firm staff when going through this (at times) scary ordeal. Thank you again.
  • Very Impressed!

    I liked that you had very friendly, caring staff. You were all very knowledgeable. Your treatment towards me was excellent and you quickly responded to all my concerns. If a friend asked of your overall impression, I would say that we were very impressed and we would recommend you to them.

Best Ways To Avoid Bankruptcy

Many of the bankruptcies I encounter are avoidable. They result from living outside one’s means and having creditors pick up the financial slack. You can significantly reduce your chance of filing bankruptcy if you avoid the financial mistakes below.

Car Loans: Most people who file bankruptcy have car payments. You don’t need a new car. There are plenty of reliable used cars for under $4k. I would recommend driving a car like this for a few years until you have saved enough to buy a nicer car.

Credit Cards: Credit cards are an easy way to charge up thousands of dollars in debt. Do yourself a big favor and start paying in cash. You’ll save money from avoiding late fees and you might also find you spend less when you pay in cash.

Mortgages: Houses are great, though you don’t want to sign up for a mortgage you can’t afford. I would recommend keeping your mortgage under 30% of your take-home pay. Anything more than this ties up too much of your income to win with money.

Eating Out: Eating out every lunch can easily cost you $2,500 a year. Add a daily cup of coffee to that lunch habit, and you’re looking at around $4,000. You could easily purchase a reliable used car with that much money. Try changing your mindset and start viewing eating out as a treat, not a habit.

Changing these financially destructive lifestyle choices can go a long way toward avoiding bankruptcy. Though getting out of excessive debt can require bankruptcy. If you live in the Modesto area and are interested in bankruptcy, feel free to give our team of Modesto bankruptcy lawyers a call to schedule your free consultation.



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