Small Business Bankruptcy has become a much discussed topic recently at my office. COVID-19 causes many small businesses to lose revenues and accumulate debts. Filing for small business bankruptcy may be an option you should consider. Small Business is a Sole Proprietorship If your small business is a sole proprietorship, you
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Chapter 13 Bankruptcy – $499 down payment plus filing fee to FILE CASE AND STOP CREDITORS
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Call for details. Bankruptcy Attorney fees are competitive.
Muoi Chea is an experienced Bankruptcy Attorney in Sacramento, Stockton, and Fairfield, California, providing Chapter 13 Bankruptcy and Chapter 7 Bankruptcy representations in Bankruptcy Courts at Sacramento, CA and Modesto, CA for over a decade.
Muoi Chea Bankruptcy Attorney has a very strong record of successfully helping consumers and small business owners eliminate or restructure their debts.
If you are facing foreclosure, wage garnishment, IRS tax levy, car repossession, or creditor’s lawsuit or harassment, Muoi Chea is a Bankruptcy Lawyer who has a long track record of successfully providing debt relief for hard-working residents throughout all of Northern and Central California.
This Bankruptcy Attorney Office is not a mill. I will personally handle your case from start to finish. I, personally, will take the time to answer your questions during the consultation and over the phone. You are being represented by me and no one else.
When you come in for a consultation in either Bankruptcy Attorney Offices in Sacramento, Stockton, or Fairfield, CA, I will explain your options under the Bankruptcy Law as well as Bankruptcy alternatives.
Everyone needs a second chance. Whether you are facing foreclosure or accumulated debts because of illness or lost wages, bankruptcy can give you the second chance that you need to regain control of your life. Most people do not know that medical bills and lost of income are the main reason why people file for personal Chapter 7 or 13 Bankruptcy. Everyone at some point in their life find themselves in a situation that is beyond their control. Stop blaming yourself and look for a solution for your debt.
You would be shocked at the number of people who filed for bankruptcy throughout Sacramento, Placer, Yolo, San Joaquin, Stanislaus, Yuba, and Solano county California. Most likely you know someone who filed for either Chapter 13 Bankruptcy or Chapter 7 Bankruptcy but they did not tell you. Inaction and delays can only make your situation worse, especially when you are facing imminent foreclosure, wage garnishment, and lawsuit from creditors. It is time to put an end to your financial problems and get a fresh start.
When you come in for your consultation in the Sacramento, Stockton, or Fairfield CA Bankruptcy Attorney Offices, I will go over your personal situation and explain how bankruptcy may affect each of your debts and assets. I will not recommend bankruptcy unless you need it. My aim is to provide the very best counsel to my clients, and I will be as objective as possible about your options.
At the end of the consultation, if you decide that Bankruptcy is the right option for you, I will quote you a reasonable fee. You are under no obligation, and whatever you decide, my advice to you during the consultation is free. My fees are reasonable because I sympathize that you are struggling financially and are seeking debt relief. That is why I also offer Payment Plans so that we can begin the road of recovery together quicker.
What is Chapter 7 and 13 Bankruptcy and how can it help me?
Chapter 7 Bankruptcy
Chapter 7 Bankruptcy is also known as “liquidation”, which can be used to wipe out credit cards, unsecured loans, medical bills, deficiency from repossession or foreclosure. Click on Chapter 7 Bankruptcy for more information.
Chapter 13 Bankruptcy
Chapter 13 Bankruptcy is also known as “reorganization”. If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, wage garnishment, car repossession or tax debts or tax levy, Chapter 13 bankruptcy can help give you some breathing room. Chapter 13 bankruptcy can also eliminate your 2nd and 3rd mortgages or equity line of credit on your house. Click on Chapter 13 Bankruptcy for more information.
Call Muoi Chea Bankruptcy Attorney in Sacramento Stockton Fairfield California Offices to know your rights under the Bankruptcy Code and STOP:
Bank Account Levy
Lawsuits and Creditors’ threats
Driver License Suspension
Professional License Suspension
Schedule a Free Consultation to determine if you qualify for the benefits of Bankruptcy. Click here for a list of what to bring for your bankruptcy consultation.
Cases are accepted throughout all of Northern and Central California cities:
We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.
Click below for Directions to Office locations:
Sacramento CA Bankruptcy Attorney Number: (916) 441-4205
Stockton CA Bankruptcy Attorney Number: (209) 751-7448
Fairfield CA Bankruptcy Attorney Number: (707) 394-4195
Recent Bankruptcy Attorney Blogs (click on the link for entire article):
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Conversion Chapter 13 Bankruptcy to Chapter 7 Bankruptcy
What do you do if you can no longer afford your Chapter 13 Bankruptcy plan payments? What if the sole reason you are in a Chapter 13 Bankruptcy is because of car or house you no longer want? Conversion Chapter 13 to Chapter 7 Bankruptcy might be an option. Can I
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Chapter 13 Bankruptcy and Repossession
Chapter 13 Bankruptcy can be used to stop auto repossession and reduced payments. Are you in danger of auto repossession? You can file a Chapter 13 Bankruptcy to spread out the payment up to 60 months. You may also reduce the interests and cram down the principal loan balance. You may
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Purchase of a Car after Chapter 7 and 13 Bankruptcy
A lot of my clients equate the time that bankruptcy will stay in your credit report to the time you will be without credit. This can scare some people from filing bankruptcy. What if you need to finance a car? Yes, the word “bankruptcy” can stick to your credit report for
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Reaffirmation of Car Loan in Chapter 7 Bankruptcy
Should you sign the Reaffirmation Agreement for your Car Loan in Chapter 7 Bankruptcy? Your auto lender would prefer you sign and agreed to the reaffirmation agreement. A reaffirmation agreement if approved by the Bankruptcy Judge will make you liable for the car loan plus any costs relating to repossession and
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – What Should Client Bring for Consultation for Chapter 13 or 7 Bankruptcy Filing?
Documents to bring to Muoi Chea, Sacramento Bankruptcy Attorney consultation: 7 months of pay stubs or documentations of all source of income for the last 7 months. Even if your spouse decide not to file with you, you should bring 7 months of spouse’s income. If you own a business or
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – What Should A Debtor Expect at the 341 Meeting of Creditors for Chapter 13 Bankruptcy Cases?
If you filed for Chapter 13 Bankruptcy protection in Sacramento Bankruptcy Court or Modesto Bankruptcy Court, you will receive a Notice of Chapter 13 Bankruptcy Case in the mail about a couple of weeks after the filing of your case. On the second page of the Notice, is your court date,
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – 2019 Median Household Income for Chapter 7 Bankruptcy Means Test & Chapter 13 Bankruptcy Commitment Period
Chapter 13 Bankruptcy and Chapter 7 Bankruptcy are both affected by the Median Household Income Increased. Call Sacramento Bankruptcy Attorney Muoi Chea for a more in-depth explanation. Starting on November 1, 2019, the median household income figures used to determine Chapter 7 Bankruptcy eligibility has increased. Moreover, in Chapter 13 Bankruptcy,
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – What is the Biggest Limitation or Drawback in Filing Chapter 7 Bankruptcy?
Too Much Asset or Property. The biggest limitation and drawback of Chapter 7 Bankruptcy that I see as a Sacramento Bankruptcy Attorney is that some clients have too much property. If your property is not exempt or protected under the California exemptions, you risk losing that property. The Bankruptcy Trustee will
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Should I File My Tax Return before I File for Chapter 7 or 13 Bankruptcy?
The general answer is “Yes”. You want to be able to Spend your Tax Refund Whether you file a Chapter 7 or 13 Bankruptcy, your Sacramento Bankruptcy Attorney needs to know what you are entitled to receive in tax refunds. Tax refunds are asset in bankruptcy court and your bankruptcy attorney
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Bankruptcy Exemptions for California April 1, 2019
Bankruptcy Courts in California differs from bankruptcy courts in other states. Unlike some some states, in California you do not have a choice between federal or state exemptions. In California, you must apply state exemptions either CCP 703 or CCP 704. Moreover, unlike some states, in California, married couples are not
Ask Bankruptcy Attorney in Sacramento Stockton Fairfield CA – Can Bankruptcy Help me with IRS Tax Debt or Franchise Tax Board Tax Debt?
Yes, Chapter 7 or 13 Bankruptcy can Help You Manage your IRS Tax or Franchise Tax Board Debt. Sacramento Bankruptcy Attorney Muoi Chea is experienced in Chapter 7 and 13 Bankruptcy. Whether a Chapter 13 Bankruptcy or Chapter 7 Bankruptcy will be a better option will depends on the following: (1)
Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – I filed for Chapter 13 Bankruptcy. Will my Chapter 13 Bankruptcy plan payment change?
Some of my Chapter 13 Bankruptcy clients ask if after they file for Chapter 13 Bankruptcy, are they stuck with the plan payment even if their income is reduce? The answer is generally no. Chapter 13 Bankruptcy plan payment is based on a formula involving nonexempt assets and disposable income after
Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – Will Third Party Liability be Discharge in Someone Else’s Bankruptcy?
I get this question a lot from clients so I thought I briefly address it in this Bankruptcy Blog. A quick answer is no if the Third Party does not have community property with the person who received a discharge in Bankruptcy. The Bankruptcy Discharge eliminates the personal liability of the
Over the years, I get a few clients who told me that they didn't expect a wage garnishment because the creditor who sued them did not attempt to collect from a judgment for over 8 years. First, they ignore the threatening letters. Then, they ignore the service of the summons and complaints
Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – Why Should I File a Chapter 13 Bankruptcy?
Why Should I File a Chapter 13 Bankruptcy instead of a Chapter 7 Bankruptcy? Some of my clients said that their friends said that Chapter 7 Bankruptcy is the best bankruptcy to file. Not so fast. Although a Chapter 7 Bankruptcy does not involve a payment plan, Chapter 7 Bankruptcy might
Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – Do I Qualify for Chapter 13 Bankruptcy?
What are the Qualification for Chapter 13 Bankruptcy? 1. Debt Limitation. You can have so much debt to qualify for Chapter 13 Bankruptcy. As of 2018, the current debt limitations are as follows: $1,184,200 for secured debts and $394,725 for unsecured debts. Secured debts are debts that are secured by collateral
Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – Who are Excluded from the Chapter 7 Bankruptcy Means Test?
The Means Test acts as a gate keeper for those who want to file Chapter 7 Bankruptcy, which determines your ability to repay your creditors. However, there some groups that are not required to take the Means Test to qualify for Chapter 7 Bankruptcy. Here are some examples: 1. Your Debt
Ask Bankruptcy Attorney in Sacramento, Stockton, Fairfield, CA – Do I Qualify for Chapter 7 Bankruptcy under the Means Test?
The purpose of the Means Test is to keep high income earners away from Chapter 7 Bankruptcy and into Chapter 13 Bankruptcy. However, some high income earners do qualify for Chapter 7 Bankruptcy depending on their expenses, such as high mortgage, high out-of-pocket medical expenses, backed child support, etc. Basically, Chapter 7
This website is for informational purpose only and is not intended to take the place of consulting an experienced bankruptcy attorney. Bankruptcy is complicated and there is no cookie cutter formula that works for every case. Every topics, scenarios, and rules cannot be covered in a website. You should consult an experienced bankruptcy attorney if you have financial problems.
Sacramento CA 95814
Stockton CA 95207
Fairfield CA 94533