Sacramento Law Group • Sacramento Bankruptcy
Sacramento Bankruptcy Attorney
JD, cum laude
Dear Prospective Client:
Thank you for considering me to be your Sacramento bankruptcy attorney. I am the managing attorney at Sacramento Law Group and I can help you achieve debt relief through bankruptcy. Now, I understand that you may be hesitant to pick up the phone and call an attorney. Maybe you think that bankruptcy attorneys are too expensive, or perhaps you are unsure about filing for bankruptcy. To help you receive advice and learn more about bankruptcy I offer a free consultation. During the consultation I will give you valuable advice so that you can make an informed decision about bankruptcy. I guarantee that you will walk out of your consultation knowing more about bankruptcy than when you walked in. Since the consultation is free, I encourage you to pick up the phone and call my firm at (916) 596-1018 to schedule your free consultation.
I Make Bankruptcy Easy
As a Sacramento bankruptcy attorney I try to make bankruptcy as easy as possible for my clients. I start by ordering a professional credit report to help you list debts, and enroll you in the required education courses to save you the inconvenience. I will prepare your petition, schedules, and statements (usually 30-40 pages long) and review these documents with you before you sign them. After I have electronically filed these documents with the court I will represent you at the meeting of creditors, address any incoming reaffirmation agreements, and remain available to you until a discharge and closing order have been received.
Call To Receive a Free Consultation
The first step towards debt relief begins by calling Sacramento Law Group at (916) 596-1018. I will meet with you to discuss your debt relief options and if you choose to file for bankruptcy I will guide you through the process.
Schedule A Free Consultation
Sacramento bankruptcy attorney Adam Garcia helps individuals file for bankruptcy protection under the U.S. bankruptcy code. To receive a free consultation with Mr. Garcia call Sacramento Law Group at (916) 596-1018.
Bankruptcy Attorney Sacramento CA
Adam Garcia is the managing attorney at Sacramento Law Group. Mr. Garcia practices consumer bankruptcy law and helps individuals achieve debt relief through bankruptcy. As a Sacramento bankruptcy attorney Mr. Garcia can help you file for Chapter 7 or Chapter 13 bankruptcy.
Mr. Garcia graduated cum laude from the University of Arizona College of Law earning a juris doctor degree and certificate in international trade and business law. While in Arizona Mr. Garcia served as an extern for the Honorable Eileen W. Hollowell in the United States Bankruptcy Court for the District or Arizona. Mr. Garcia also worked for a prominent consumer bankruptcy firm where he counseled clients and drafted bankruptcy petitions, schedules, and statements.
Vanessa W. is a legal secretary at Sacramento Law Group. Vanessa graduated summa cum laude from San Francisco State University where she received both her undergraduate and masters degree. Vanessa can schedule your free consultation when you call our firm at (916) 596-1018.
Bankruptcy Attorney Sacramento Highlights
If you are still searching for a bankruptcy attorney Sacramento Law Group would like to highlight a few points.
- Flat Fees: Sacramento Law Group charges flat fees for Chapter 7 and 13 cases. Unlike firms that charge by the hour for an attorney, we make every attempt to charge a flat fee for chapter 7 & 13 cases.
- Communication: We believe that clients should be able to frequently and easily communicate with their attorney. Sacramento Law Group has implemented procedures to enhance attorney-client communication. If you can’t reach our attorney you will probably get a call back within the day. Why? When you can’t reach our bankruptcy attorney, Sacramento Law Group requires that he take time out of his day to respond to missed calls.
- Customer Service: We believe in customer service. When you hire our attorney Sacramento Law Group believes that your satisfaction is a top priority.
- Competence, accessibility, and flat rates. (1) A competent bankruptcy attorney: Sacramento Law Group believes that you deserve a top-notch attorney. Our attorney graduated cum laude from a Tier-1 law school. (2) An accessible bankruptcy attorney: Sacramento Law Group requires our attorney to take time out of his day to respond to client calls. (3) A flat priced bankruptcy attorney: Sacramento Law Group offers flat fees for chapter 7 and 13 cases.
Free Bankruptcy Consultation
Sacramento Law Group provides a free 1-hour consultation. During the consultation our attorney will listen to your case and give you candid advice. If the attorney thinks that bankruptcy can benefit you and you are ready to hire us, we can sign a representation agreement during the consultation.
No Pressure Policy
Sacramento Law Group wants you to feel comfortable during your consultation. That’s why our Sacramento bankruptcy attorney has implemented a “no pressure policy.”
- Ask Questions: When you don’t understand something, or if you need more clarification, feel free to ask. Our Sacramento bankruptcy attorney will answer your questions.
- Don’t be intimidated by the paperwork. If you don’t have time to fill out an intake sheet, don’t worry. Our attorney will fill it out the intake sheet for you.
- No Pressure To Hire Us: During the consultation our attorney will give you professional advice. If you want to hire our attorney by signing a representation agreement he is ready to work on your case. However, if you need time to think about your situation, that’s perfectly fine.
10 Reasons To Hire Us
- Upfront pricing. Our Sacramento bankruptcy attorney charges flat fees for chapter 7 and chapter 13 cases. Sacramento Law Group does not believe in hidden fees.
- No pressure. Our attorney will not pressure you to sign a representation agreement during your consultation. Our attorney will listen to you and give candid advice. From there you can decide what’s best for you.
- Communication. Our attorney will respond promptly to your calls. Our attorney blocks out time every day to listen to voice messages, respond to missed calls, and reply to emails.
- Bankruptcy focus. Our firm is not a general practice. Our Sacramento bankruptcy attorney is dedicated to consumer bankruptcy law.
- We don’t waste your time. Our attorney will make every effort to start your appointment on time. We don’t believe that clients should be kept waiting. Your time is valuable and we respect that.
- We take our work seriously. Our attorney knows that debt relief is very important to you. When you hire our attorney you are hiring a compassionate and dedicated attorney who will work for your best interests.
- We are not the cheapest. Trust us. You don’t want the cheapest Sacramento bankruptcy attorney. Like many things in life, you get what you pay for. That being said, you should not be surprised by costs and expenses after your hire an attorney. Our attorney has flat fees that won’t leave you surprised along the way.
- We educate our clients. Our attorney will take the time to educate you and keep you informed throughout your case.
- We care about customer satisfaction. We want you to have the best possible experience with our firm. We hope that you are absolutely satisfied with our attorney and recommend his services to others.
- We have a system. Sacramento Law Group has developed a system for handling chapter 7 and chapter 13 cases. Your Sacramento bankruptcy attorney will handle your case in several stages with each stage having a specific purpose. This system helps us deliver great service at a flat rate.
Bankruptcy Attorney Fees
Sacramento Law Group charges flat fees to help you budget for debt relief. Our flat fees include the several hundred dollar filing fee assessed by the court, a professional credit report, tax transcripts, and the required education course and financial management course.
Sample Chapter 7 Fees
Every case is different, so we can’t list a standard fee or range of fees. However, we can give you some sample Chapter 7 fees to give you an idea of what we charge. For a simple Chapter 7 case (not many creditors, no business involved, etc.) our attorney may charge $1,800. Again, this fee includes several expenses listed above, including a $306 filing fee. For a complex Chapter 7 case (many creditors, a business involved, etc.) our Sacramento bankruptcy attorney may charge approximately $2,500 or more.
Sample Chapter 13 Fees
Chapter 13 bankruptcy is usually more expensive than Chapter 7 because it is more complicated and involves a longer period of representation. First, a Chapter 13 plan must be created by a Sacramento bankruptcy attorney. Second, the representation continues over the life of the Chapter 13 plan (3-5 years). Consequently, Chapter 13 cases may cost $3,500 or more for a nonbusiness case and $5,000 or more for a business case. However, Sacramento Law Group typically only charges $2,000 before filing with the remainder of the fee paid through the chapter 13 plan over 3-5 years. Again, these are only sample fees. To receive an accurate price-quote our Sacramento bankruptcy attorney must evaluate the specific facts of your case, just as any responsible lawyer would. To receive an accurate quote call our Sacramento bankruptcy lawyer at (916) 596-1018 and schedule a free consultation.
Why Transparent Billing?
Because we think it’s fair. Sacramento Law Group wants you to understand the total cost of achieving debt relief; that’s why our Sacramento bankruptcy attorney quotes a flat fee that includes the cost of obtaining a credit report and taking the required education courses.
Sacramento Law Group wants you to understand your debt relief options. When you call (916) 596-1018 and schedule a free 1-hour consultation with our Sacramento bankruptcy attorney you will learn more about your debt relief options. For now, read the following information about Sacramento bankruptcy.
Chapter 7 Bankruptcy
Many people qualify for Chapter 7. To qualify for Chapter 7 you will have to pass what’s called the “means test.” To pass the means test you must have income for a certain period of time below the California state median income for a household of your size. This requirement is intended to prevent people who can afford to repay creditors from filing for Chapter 7.
Chapter 7 is dubbed the “liquidation” bankruptcy, but most Chapter 7 cases do not involve the sale or liquidation of assets. In fact, most Chapter 7 cases are “no asset” cases since there are no nonexempt assets to liquidate. As your attorney will tell you, in Chapter 7 there are exempt and nonexempt assets. Exempt assets entitle the owner to all or part of the cash value of the asset. In real life, if an asset is entirely or mostly exempt the Trustee won’t incur the cost of liquidating it only to give the money to its owner. Consequently, people filing for Chapter 7 usually do not lose assets that are entirely or mostly exempt. In contrast, nonexempt assets can be sold in Chapter 7 by the Trustee. After selling an asset, the Trustee will distribute the proceeds to creditors.
Chapter 13 Bankruptcy
Chapter 13 allows you to keep your property and pay off your debts through future income. Since you keep all your property there is no “liquidation” like there is in Chapter 7. Consequently, there are no “exempt” and “nonexempt” assets in Chapter 13; you keep it all subject to a few limitations. However, you will have to make monthly payments through a repayment plan before you receive a discharge. This means that your Sacramento bankruptcy attorney will propose a repayment plan that must be approved by the court. Once approved, you will have to make plan payments to the Trustee who will distribute the funds to your creditors according to the repayment plan. Also, the Trustee will collect a percentage of each payment as a fee. Once you have made all of your plan payments you will receive a discharge of your debts.
Sacramento Bankruptcy Lawyer FAQs
Q: Should I file for bankruptcy?
Any Sacramento bankruptcy lawyer will tell you that every case is different, but here are some indicators that bankruptcy may be right for you.
- It will take you more than 5 years to pay off unwanted debt. When you file for Chapter 13 at worst you will be free of debt in 5 years. If you file for Chapter 7 you will be free of debt in 6 months or less.
- Creditors are garnishing your wages. Filing for bankruptcy can stop a wage garnishment. If your wages are being garnished a Sacramento bankruptcy lawyer may advise you to file quickly to stop the daily garnishment of your wages.
- You have 2 mortgages on your house and its fair market value is less than the amount owed on your first mortgage. By filing for Chapter 13 your Sacramento bankruptcy lawyer can strip off the second mortgage when the value of your home is less than what is owed on the first mortgage. That’s because there is no value left in your home to “secure” the second mortgage. For instance, if the value of your home is 200k and it has a 300k first mortgage and 100k second mortgage, the second mortgage can be stripped off because there is no equity to secure the second mortgage holder.
- You’re considering taking money out of your retirement account to pay your creditors.
- A lawsuit has been filed against you. The lawsuit can result in a judgment that you can’t afford to pay. It may be a good idea to preempt a future judgment by consulting a Sacramento bankruptcy lawyer and exploring your debt relief options.
Q: Should I file for Chapter 7 or Chapter 13?
A Sacramento bankruptcy lawyer will say “it depends.” It depends on your goals, income, household size, assets, and other factors. Your Sacramento bankruptcy lawyer will first determine if you qualify for Chapter 7. He or she will evaluate your household size and income to determine if your income falls below a certain threshold. Most people fall below this threshold and qualify for Chapter 7. Also, many people do not own “non-exempt” assets, meaning that when they file for Chapter 7 there is nothing to liquidate and their dischargeable debts are discharged. A Sacramento bankruptcy lawyer can determine if you qualify for Chapter 7.
Generally, Chapter 13 is selected because the client wants to save a house from foreclosure, strip off a second mortgage, or has high income. Also, Chapter 13 discharges certain debts that Chapter 7 does not. To determine which chapter is right for you contact our Sacramento bankruptcy lawyer at (916) 596-1018 and schedule a free consultation.
Q: What is the difference between Chapter 7 and 13?
Sacramento Bankruptcy Lawyer Answer: Chapter 13 allows you to retain non-exempt property and pay your creditors over 3-5 years. Chapter 7 involves the liquidation of nonexempt assets with the proceeds distributed to your creditors. Most Chapter 7 cases are no-asset cases meaning that there is no liquidation. Before filing your Sacramento bankruptcy lawyer will determine which assets are exempt and nonexempt.
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