If you are struggling with credit card payments and you are facing imminent foreclosure or car repossession, you need to speak to an experienced Bankruptcy Attorney to discuss your options under the Bankruptcy Law. Muoi Chea is an experienced and knowledgeable Bankruptcy Attorney serving Modesto CA and Stanislaus County California. She has a long track record of successfully helping her clients obtain debt relief through Chapter 7 and Chapter 13 Bankruptcy.
When you come in for a FREE Consultation, I will give your option under the Bankruptcy Law and Bankruptcy alternatives. The consultation is FREE because you need to know your options. Whatever you decide, you are under no obligation, and my advise to you during the consultation is free. If you decide that Bankruptcy is your best option, I will quote you a reasonable attorney fees. I keep my attorney fees reasonable because I understand that you are struggling under mounting debts and are trying to get relief as quickly as possible. That is why I offer PAYMENT PLAN.
You can use Chapter 7 or 13 Bankruptcy to eliminate debts like credit cards, medical bills, unsecured personal loans, and deficiency from car repossession or foreclosure. Call Modesto CA Bankruptcy Attorney for more information on how bankruptcy can help you.
There are more benefits to Chapter 13 Bankruptcy than Chapter 7 Bankruptcy. Chapter 13 Bankruptcy can be used to stop foreclosure, car repossession, and IRS tax levy. Chapter 13 Bankruptcy is chosen over Chapter 7 Bankruptcy if you have too much assets that you want to keep and you are worried that by filing Chapter 7 Bankruptcy, the trustee will take your assets that are not protected under the California exemptions statutes.
It is recommended that if you have a sole proprietor business that you want to keep in operation and are worried that they Chapter 7 Bankruptcy Trustee will liquidate your business assets or sell your business, you should consider a reorganization under Chapter 13 Bankruptcy.
Chapter 13 Bankruptcy can stop foreclosure, car repossession and IRS tax levy because you are consolidating your debt under a payment plan.
Unlike Chapter 7 Bankruptcy, another benefits to Chapter 13 Bankruptcy is that it can remove and eliminate Second Mortgage or Home Equity Line of Credit and more liens than Chapter 7 Bankruptcy. Chapter 13 Bankruptcy can reduce the loan balance of your car to the retail value and reduce the interest rate to prime-plus rate.
Because Chapter 13 Bankruptcy is “reorganization” and involves a payment plan to your creditors, you can force your mortgage lender into a plan payment that gives you time to catch-up on your mortgage payment arrears for upto 60 months. As long as you are current on your Chapter 13 Bankruptcy plan payment, your mortgage lender CANNOT foreclose on your home.
Same reasoning as above. Because Chapter 13 Bankruptcy involves a monthly payment plan, you can also force the Internal Revenue Services, Franchise Tax Board, or Board of Equalization into a more reasonable monthly plan payment if the underlying tax debt is non-dischargeable. If you are current on your plan payment, Chapter 13 Bankruptcy will STOP tax collector from wage garnishment or bank account levy or placing a new lien on your property. Call Modesto CA Bankruptcy Attorney to calculate your monthly plan payment.
Call Muoi Chea, Bankruptcy Attorney to determine if you qualify for the benefits of Bankruptcy at (209) 751-7448.
Bankruptcy Attorney Offices accepts cases throughout Stanislaus County, California:
Modesto, Oakdale, Salida, Turlock, Ceres, Patterson, Newman, Riverbank, Waterford, and surrounding area in California.
Bankruptcy Attorney Offices located throughout Northern and Central California to provide experienced Bankruptcy representation and debt relief.