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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

Seven Signs You Should Probably File Bankruptcy

attorney, attorneys, lawyer, lawyers, California, CA, Bankruptcy, wage, garnishment, stockton, citrus heights, roseville, sacramento Filing bankruptcy is usually one of the last things people want to do when they’re struggling financially. If you’re like most people, you’ve probably overlooked bankruptcy even though it’s the most obvious solution to your financial troubles. This is true even when there are clear signs you should file bankruptcy. Let’s take a look at some of the most common signs that you should probably file bankruptcy.

Sign #1: You rob Peter to pay Paul.

If you’re skipping one bill just so you can pay another it’s a strong sign that bankruptcy may be a better solution. Also, skipping payments on essential services such as electricity and water is a sign that bankruptcy may help you solve your financial problems.

Sign #2: You defaulted on your loan.

If you’ve already defaulted on one or two loans it’s a sure sign that you’re insolvent. This is especially true if you’ve defaulted on loans that have small minimum payments such as a credit card. Being unable to pay $20 or $30 a month is a sign that you finances are in serious trouble.

Sign #3: You’ve been sued.

If creditors have filed lawsuits against you and won, it’s a sign that you may need to file bankruptcy. Creditor lawsuits are just the beginning of a more aggressive campaign to seize your assets. Creditors who can win judgments against you have the power to seize your bank accounts via levies and garnish your wages.

Sign #4: You have no savings or retirement.

If you’ve spent all of your disposable income on debt payments and have been unable to save or invest in your retirement, it’s probably time to file bankruptcy. Chapter 7 bankruptcy will discharge most unsecured debts, freeing up more of your income so that you can save for the future.

Sign #5: You suffer from stress caused by debt.

If you have anxiety attacks or feel depressed by your financial problems, filing for bankruptcy can offer relief. The constant pressure of creditor calls, lawsuits, the threats of garnishment and levies is stressful. Never having enough money for the things that matter can create ongoing, unrelenting stress negatively impacts your health.

Sign #6: You’re facing foreclosure.

If your mortgage lender is threatening to foreclose on your home, it may be time to file bankruptcy. Filing bankruptcy gives you an opportunity to keep your home and comfortably catch up on back mortgage payments.

Sign #7: You’re unemployed or underemployed long-term.

If you find yourself not earning enough money to pay your bills, it may be time to file bankruptcy. Unemployment and underemployment are two of the leading causes of loan defaults.

If you want to find out if it’s time for you to file bankruptcy, call us today.

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