I am an experienced bankruptcy attorney with Law Offices in Sacramento, Stockton, and Fairfield, California. Having multiple offices allows me to work on several hundreds of diverse bankruptcy cases. Throughout the years, I have a long track record of successfully helping my clients eliminate or restructure their debts under Chapter 7 and Chapter 13 Bankruptcy.
Whether you are a consumer or a business owner, I have worked on cases just like yours before because of the diversity of cases I received through several Offices throughout Northern and Central California. This Office is NOT a mill. When you come to see me, you will soon realize that your case will receive my personal attention-meaning, I will handle your case from start to finish and promptly answer all your questions.
Your questions will not be answered by non-attorneys. I do not cut-off clients or limit my time to them when they have a lot of questions. Once you retained my Office, you have my undivided attention because I want to make sure that I ascertain what your goals are and the means to achieve them.
Whether you are a consumer or a business owner, I have worked on cases just like yours before because of the diversity of cases I received through several Offices throughout Northern and Central California. This Office is NOT a mill. When you come to see me, you will soon realize that your case will receive my personal attention-meaning, I will handle your case from start to finish and promptly answer all your questions.
Your questions will not be answered by non-attorneys. I do not cut-off clients or limit my time to them when they have a lot of questions. Once you retained my Office, you have my undivided attention because I want to make sure that I ascertain what your goals are and the means to achieve them.
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Chapter 13 Bankruptcy - $499 down payment plus Filing Fee to FILE CASE for Sacramento, Stockton, Fairfield, CA Bankruptcy Attorney Offices ||| Chapter 7 Bankruptcty Attorney fees vary by case.
Whether it is Chapter 7 or Chapter 13 Bankruptcy, know your rights.
Call us at (916) 441-4205, (209) 751-7448, or (707) 394-4195, to schedule your FREE consultation at the Sacramento, Stockton or Fairfield, CA Bankruptcy Attorney Offices.
Whether it is Chapter 7 or Chapter 13 Bankruptcy, know your rights.
Call us at (916) 441-4205, (209) 751-7448, or (707) 394-4195, to schedule your FREE consultation at the Sacramento, Stockton or Fairfield, CA Bankruptcy Attorney Offices.
Chapter 7
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Chapter 7 bankruptcy can discharge most or all of your unsecured debt.
Examples of dischargeable unsecured debts are credit cards, medical bills, deficiency from repossessions and foreclosures, and personal loans not secured by any collateral (aka unsecured loans).
Chapter 7 does not deal with secured debts, which are debts that are secured by collateral like a car or house.
See Chapter 13 Bankruptcy.
If you have a wage garnishment, once your Chapter 7 bankruptcy petition is filed, "automatic stay" is in effect, which prevents creditors from further garnishing your wages except for priority debts like child support and alimony.
Examples of dischargeable unsecured debts are credit cards, medical bills, deficiency from repossessions and foreclosures, and personal loans not secured by any collateral (aka unsecured loans).
Chapter 7 does not deal with secured debts, which are debts that are secured by collateral like a car or house.
See Chapter 13 Bankruptcy.
If you have a wage garnishment, once your Chapter 7 bankruptcy petition is filed, "automatic stay" is in effect, which prevents creditors from further garnishing your wages except for priority debts like child support and alimony.
Chapter 13
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The payment is based on your disposable income and the type of debts you have.
In most cases, you only pay a fraction of your debt.
In the FREE consultation, if Chapter 13 is a viable option, I will estimate your monthly payment under the Chapter 13 plan.
Chapter 13 Bankruptcy can stop foreclosure and repossession by restructuring your debts so that you can afford to keep your house or car and also by reducing your debt: (1) eliminating your 2nd and 3rd mortgages or home equity line of credit; (2) eliminating a portion or all of your credit cards, unsecured loans, medical bills; (3) cramming down your car loan to the retail value of your car; (4) eliminating unsecured, nonpriority portion of certain tax debt; etc.
In most cases, you only pay a fraction of your debt.
In the FREE consultation, if Chapter 13 is a viable option, I will estimate your monthly payment under the Chapter 13 plan.
Chapter 13 Bankruptcy can stop foreclosure and repossession by restructuring your debts so that you can afford to keep your house or car and also by reducing your debt: (1) eliminating your 2nd and 3rd mortgages or home equity line of credit; (2) eliminating a portion or all of your credit cards, unsecured loans, medical bills; (3) cramming down your car loan to the retail value of your car; (4) eliminating unsecured, nonpriority portion of certain tax debt; etc.
Difference between Chapter 7 & Chapter 13
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Chapter 13 Bankruptcy: repayment plan to creditors because of at least one of the following reasons: your income is too high; you have a lot of assets that you want to keep; your last bankruptcy was filed too recently but you need to file another bankruptcy case because of overwhelming debts.
The repayment plan is between 3 to 5 years and most of the time you are paying back only a fraction of your debt.
Sometimes as low as 1% depending on the case.
The unsecured, dischargeable debt that are not required to be paid back will be eliminated.
The repayment plan is between 3 to 5 years and most of the time you are paying back only a fraction of your debt.
Sometimes as low as 1% depending on the case.
The unsecured, dischargeable debt that are not required to be paid back will be eliminated.
Foreclosure Lawyer
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STOP Foreclosure - Muoi Chea Bankruptcy Attorney Offices in Sacramento, Stockton, Fairfield, California.
You should call a Foreclosure Lawyer immediately if you are facing imminent foreclosure.
If you cannot afford one, I offer payment plans.
You may be paralyzed by how quickly the monthly mortgage statements keep piling up.
Then finally, you received the dreaded Notice of Default that tallied up how many payments plus penalties and fees that have accrued and then gives you only 90 days to catch up! 90 days later, if you are unsuccessful in negotiating the loan with your lender or obtain a loan modification, you will next receive a Notice of Trustee Sale Date, which is at least 20 days away from the date on the Notice of Trustee Sale.
You should call a Foreclosure Lawyer immediately if you are facing imminent foreclosure.
If you cannot afford one, I offer payment plans.
You may be paralyzed by how quickly the monthly mortgage statements keep piling up.
Then finally, you received the dreaded Notice of Default that tallied up how many payments plus penalties and fees that have accrued and then gives you only 90 days to catch up! 90 days later, if you are unsuccessful in negotiating the loan with your lender or obtain a loan modification, you will next receive a Notice of Trustee Sale Date, which is at least 20 days away from the date on the Notice of Trustee Sale.
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