Santa Rosa Fresh Start Lawyer
At the Law Offices of Brian A. Barboza in Santa Rosa, California, we understand that the bankruptcy process can seem daunting. Our role is to make it as easy as possible for you to go through the process, eliminate your debt and get a fresh financial start.
Starting With a Careful Analysis of Your Situation
Every situation is different. An attorney must take great care to analyze your situation before proceeding. When you come to our law firm, attorney Brian Barboza will personally review your case, starting with a three-part analysis that asks these questions:
- Do you qualify for Chapter 7 bankruptcy or Chapter 13 bankruptcy? This question is answered with the means test.
- What debts are dischargeable in bankruptcy? While the vast majority of debts are dischargeable, there are some that cannot be discharged.
- What property can be kept in bankruptcy? Thanks to California's liberal bankruptcy exemptions, it is likely that you will be able to keep all or most of your property.
Contact the law firm to schedule your free initial consultation. We will immediately begin the process of helping you overcome your debt.
The Bankruptcy Process in California
We will take the time to answer questions about what bankruptcy can and cannot do, addressing any unique issues you may face such as bankruptcy with Social Security or unemployment benefits or bankruptcy and divorce. Once the three-part analysis is conducted, all of your questions are answered and it is time to move forward with the process, we will file bankruptcy in Santa Rosa on your behalf.
As soon as bankruptcy is filed, an automatic stay goes into place, stopping all creditor harassment and creditor actions. You will immediately feel the positive impact of filing.
If you are filing Chapter 7, the process will involve a meeting of creditors and will ultimately take only about 90 days until your debt is discharged. If you are filing Chapter 13, the process will involve additional confirmation hearings and a partial repayment plan that will last three to five years, depending on your situation. In either case, we will stand by your side the whole time.
Contact Us for a Free Initial Consultation
Want to know more about how bankruptcy works? Call our Santa Rosa office at 707-304-5251 or toll free at 866-965-2831, or send us an e-mail.
