Fresno Bankruptcy Attorney: Areas of Service
Are you facing a financial crisis?
In tough economic times such as these, millions of people are faced with the difficult decision of whether or not they should file for bankruptcy or seek other debt resolution solutions. It is not uncommon to come across people who have overextended themselves, or have fallen far behind on their bills and are no longer in a position to be able to repay them. Times change and circumstances change as well.
If you or a loved one has found yourself on the brink of a financial crisis, an experienced attorney from Price Law Group can offer you a viable solution to your financial problems and help you get your finances back in order. For more than two decades, the law group has been helping people successfully discharge debts through filing bankruptcy. Through a confidential consultation we can review your unique situation too, and advise you on how best to proceed.
Chapter 7
Chapter 7 is one of the most common types of bankruptcy. Individuals who have found themselves in the unfortunate position of not being able to pay their mortgage, credit card bills or other loans, may be eligible to file for Chapter 7 bankruptcy. An attorney from the firm will be able to review your financial situation and perform a means test to determine if you qualify for Chapter 7.
Chapter 13
Falling seriously behind on mortgage payments, loans or other bills can be an extremely frightening experience. Bankruptcy could provide a solution. For individuals who have sufficient disposable income, after paying their mortgage, utilities and other vital living expenses, a Chapter 13 bankruptcy will allow them to consolidate their qualifying bills and establish a court-approved repayment plan.
Credit Repair
After an individual has their debts discharged through either a Chapter 7 or Chapter 13, they must still take measures to repair their credit. An experienced credit repair attorney will be able to review your situation and help you take the necessary steps to repair your credit, and improve your financial stability.
Foreclosure Prevention
Preventing your property from being foreclosed on is extremely important. The time, effort, and money you have invested into your home or other property is worth saving. An attorney from our firm can assess your current situation and advise you on how best to proceed with foreclosure prevention proceedings.
Loan Modification
Circumstances can change, causing financial situations to arise at any time. If you or a loved one has found yourself unable to make mortgage or other loan payment, a loan modification may be a viable option. Consult with a knowledgeable attorney from the law group before attempting any loan modification negotiations on your own.
Short Sale Negotiation
If you have found yourself unable to make your monthly mortgage payments, and you owe more on your home than the property is worth, you may wish to seek a short sale. A short sale is an alternative to having your property foreclosed on, or for having to file for bankruptcy. An experienced attorney from the law group can represent you during short sale negotiations.
Debt Settlement
Bankruptcy is not the only option available to people facing serious financial crisis. If you have accumulated extensive debt that you no longer have the resources available to pay, you should consider debt settlement. An attorney from the law group can review your financial situation and help you determine if debt settlement may be right for you.
Creditor Abuse
When an individual finds themselves in a position where they are unable to meet their financial obligations, they may also find themselves being abused by creditors or collection agencies attempting to collect money owed. You do have options to protect yourself from creditor abuse. Consult with an attorney from the law group who can help you stop the creditor abuse.
Insurance Settlement
Insurance companies are there to provide protection for your home, business, and family in case of emergencies or natural disasters. There are situations, unfortunately, where insurance companies have refused to pay claims, delayed payments or attempted to bully the claimant into accepting a low settlement. An attorney from the law group can help you get your rightful insurance settlement.
Tax Resolution
If you owe back taxes to the state or federal government and are unable to afford getting them paid off, you should consult with a knowledgeable tax resolution attorney from the law group. An experienced attorney will be able to provide you review your situation, provide you with the information you need, and advice you on how best to resolve your tax issues.
Benefits of Bankruptcy
Are you struggling financially? Many people believe that bankruptcy is a harmful remedy that could possibly do more harm than good. That is because most people only hear the falsehoods and myths regarding bankruptcy. The truth is that bankruptcy is a viable option that could actually offer multiple benefits and effective debt relief. Talk to the attorneys at Price Law Group today to learn more.
Do I Qualify For Bankruptcy?
You may find yourself in a financial hole, wondering whether or not you qualify to file for bankruptcy. Depending on your situation and whether or not you pass a means test, will determine if you are eligible to file for bankruptcy. A bankruptcy attorney from the law group will review your financial situation, let you know if you qualify for bankruptcy, and if so, assist you through the entire bankruptcy process.
How Much Does Bankruptcy Cost?
When an individual is faced with losing their home, they are unable to pay their existing financial obligations and creditors are pounding at their door, times can seem bleak. The thought of having to come up with additional funds may be more than they can handle. At the Price Law Group, money is no option when you file for bankruptcy.
How Can I Save My Home?
Many people do not realize there are options available to people who have found themselves facing bankruptcy. Bankruptcy does not necessarily mean you will lose your home. When you consult with a bankruptcy attorney from the law group, they will review your financial situation and advise you on your options.
What is FDCPA?
The FDCPA, also known as the Fair Debt Collection Practices Act, is a set of law enacted by Congress in 1978 with the intention of protecting the rights of consumers. They also delineate what debt collectors can and cannot do in their pursuit of payment towards an outstanding debt.
Wage Garnishment
Protect your hard-earned money! Did you know that creditors are allowed to contact your employer if you have them withhold a certain amount from your pay each pay period for the outstanding payments that they are owed? Contact Price Law Group today and find out how you can avoid the garnishment of your wages.
Collection Defense
If you are being harassed by creditors or collection agencies, you do not have to sit back and put up with it. You do have legal rights and options available to you. When you contact an attorney from the law group they will review your current financial situation, analyze the tactics being used by creditors, and help you build a collection defense.
Estate Planning
Protecting your assets and interests is extremely important, especially during tough economic times. If you need help with estate planning, contact a knowledgeable estate planning attorney from the law group who will be able to review your current situation and help you plan for your future and the future of your family.
Fair Debt Collection Practice Act
The Fair Debt Collection Practice Act protects debtors against harassment by creditors and collection agencies, and prohibits a variety of collection practices commonly used by companies attempting to collect on your debt.
Discharge Your Debt
At the end of your Chapter 7 bankruptcy proceedings, all your qualifying, unsecured debts will be discharged by the court. Obligations regarding secured debts will be resolved during bankruptcy proceedings, and you will be able to choose to continue payments or release your car, home or other property back to the lender.
Life After Bankruptcy
Bankruptcy does not bring an end to your financial viability. There is life after bankruptcy, and it can be very profitable. The key is to keep certain financial basics in place in order to prevent another financial crisis from taking place. An attorney from the firm will be able to assist you with developing a plan and helping you learn how to avoid future financial pitfalls.
Contact us for Assistance!
When the bills are piling up and lenders are calling demanding payment, you may feel as if you have no options and nowhere to turn. Don't let creditors take advantage of you. The dedicated lawyers at the law group are ready to provide you with the legal expertise you need during this difficult financial time. This is no doubt one of the most difficult times of your life if you are being faced with the reality of bankruptcy. You don't have to be scared or intimidated of the process.
When you file for bankruptcy, there is immediately an automatic stay placed on your account. What this means is that creditors must stop calling you and attempting to collect debt. This will free you up to be able to focus on the situation at hand rather than worrying about collections. Another benefit to bankruptcy is that it can possibly stop your home from being foreclosed on. You don't have to buy into the myth that bankruptcy means you won't be able to qualify for loans in the future. Contact us for clarification of bankruptcy code and help getting through the process.