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  • 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.
    --Donna
  • 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.
    --David
  • 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.
    --Anonymous
  • 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.
    --Anonymous
  • 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.
    --Joanna
  • 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.
    --Danielle

Can I Leave A Creditor Out Of My Bankruptcy?

Many clients ask us if they can leave a certain credit card or account out of their bankruptcy. Most of the time our clients want to hang onto one card for various reasons including the ease of making travel arrangements and rebuilding their credit. Some of our clients also want to continue their relationship with certain stores or accounts.

Unfortunately, all creditors do have to be listed in a bankruptcy. However, if a credit card is at a zero balance at the time of filing, it does not have to be listed. Before you rush out and pay off that one card you want to keep, take caution.

Preference Payment

Paying off a debt over a certain dollar amount prior to filing bankruptcy can be considered a preference payment. This means that you gave preference to one of your creditors over the others. This can lengthen the amount of time you are in active bankruptcy as a trustee can go after those funds, and distribute them equally to all of your creditors. If you are considering paying off a card before filing, talk to your bankruptcy attorney first.

In addition, most credit cards, even when they are not listed in your filing, will most likely find out about the bankruptcy on their own and close the account. Most credit card underwriters employ monitoring systems that alert them when an account holder files bankruptcy.

For more information, contact your Modesto bankruptcy attorney at 707-385-0422.

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