Sacramento Bankruptcy Attorney
“If you have debt that you cannot repay bankruptcy may be the responsible solution. Bankruptcy can eliminate debt, stop creditor harassment and help you regain financial stability. If you are reading this you probably have some questions about bankruptcy. If so, I encourage you to call Sacramento Law Group at (916) 596-1018 to schedule your free consultation. During the consultation you will learn more about bankruptcy and your debt relief options.”
Bankruptcy attorney Adam Garcia offers a free consultation to all prospective clients. During the consultation you will learn more about your debt relief options. You will also learn whether there are any obstacles preventing you from filing for bankruptcy, and if so, how you can overcome those obstacles. To begin your path to debt relief schedule a free consultation with Sacramento Law Group by calling us at (916) 596-1018.
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Bankruptcy Attorney Fees
Our attorney charges flat fees for chapter 7 and chapter 13 cases. Our flat fees are transparent and easy to understand. When our attorney quotes a flat fee it includes costs many other attorneys exclude. For instance, our flat chapter 7 fee includes the required education courses. Our attorney doesn’t believe in hidden costs. If you want predictable attorney fees call our firm today to schedule your free consultation.
Meet Our Bankruptcy Attorney
Adam Garcia is the owner of Sacramento Law Group. Mr. Garcia represents debtors in chapter 7 and chapter 13 cases and practices law with a client-focused approach. Client goals are valued and their interests represented throughout their respective cases.
Adam Garcia graduated cum laude for the University of Arizona College of Law where he was on the Dean’s List for all semesters. During law school Mr. Garcia received clinical experience in bankruptcy law including service in the United States Bankruptcy Court for the District of Arizona. Mr. Garcia also worked in a prominent consumer bankruptcy firm where he regularly counseled bankruptcy clients.
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Chapter 11 bankruptcy focuses on businesses or individuals with high income that want to restructure their debt. Chapter 11 is costly and not the best choice for the typical person contemplating debt relief. Chapter 12 is specific to family farmers and fisherman. Accordingly, it is usually not applicable to the average person. If neither of the above chapters are applicable to you our attorney will likely advise you to file under chapter 7 or chapter 13.
Chapter 7 Bankruptcy
To qualify for chapter 7 bankruptcy your must generally have either low income or high secured debt payments (mortgage, car, etc.) chapter 7 is usually the best option if most debts are unsecured. (credit cards, medical, etc.) In chapter 7 the attorney will list unsecured debts and assets in the appropriate schedules. The attorney will then exempt certain assets using California exemption law. When assets are exempt they are not sold in chapter 7. If any assets are not exempt, or have value above the exemption amount claimed, they can be sold in chapter 7 with the proceeds of the sale distributed to creditors. At the conclusion of this process unsecured debts are discharged. Therefore, if you owe unsecured debts chapter 7 can give you the fresh start you need to reduce your debts and conserve your income for yourself and your family.
Find Out Which Debts You Cannot Discharge in Bankruptcy.
Chapter 13 Bankruptcy
Chapter 13 bankruptcy is usually the best option if you have substantial secured debts or nondischargeable debts. In chapter 13 you keep your property and dedicate a portion of your income to repaying all or part of your debts over 3-5 years. At the conclusion of this repayment period you receive a dischargeable. Many people choose chapter 13 to stop a foreclosure since the filing stops the foreclosure sale and allows the petitioner to cure the overdue payments through the repayment plan. Call our bankruptcy lawyer to learn more about chapter 13.
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