Which Bankruptcy Option Is Best for Me?
Why should I consider bankruptcy?
Filing for bankruptcy can reduce or eliminate many of your unsecured debts. It will stop lawsuits, foreclosure, wage garnishment and vehicle repossession. It can give you the opportunity to make a fresh financial start.
At the office of Christie S. Lee, we have helped over twenty thousand people obtain debt relief through Chapter 7 and Chapter 13 bankruptcy. We use the bankruptcy laws to maximize the debt relief our clients receive, while enabling them to keep their property and financial assets.
For a free 1/2 hour consultation with our expert bankruptcy lawyer Contact Christie Lee Law Office today about bankruptcy or give us a phone call 209-910-5291
Which bankruptcy option is best for me?
Chapter 13 bankruptcy is ideal for people with a steady income who have assets they want to keep. Chapter 13 stops foreclosure and can allow you to keep your house, sometimes eliminating second mortgages. Your debts are reduced or eliminated, and you develop an affordable payment plan for your remaining debts.
Chapter 7 bankruptcy can almost completely eliminate unsecured debts such as credit card debts, medical bills and personal loans.
As soon as we file either type of bankruptcy, you will enjoy an automatic stay to foreclosure actions, repossession and wage garnishment.
We will review your financial situation and recommend an appropriate course of action for you. These include Chapter 7 bankruptcy and Chapter 13 bankruptcy. If bankruptcy is not the right solution for you, we will tell you so.
Call us to know more about bankruptcy options.
By filing bankruptcy, can I keep my property?
As soon as we file either type of bankruptcy, you will enjoy an automatic stay to foreclosure actions, repossession and wage garnishment. Our firm will work to maximize your debt relief, while allowing you to keep as much of your property as possible. This includes your vehicles, bank accounts, retirement accounts and personal property.
In addition by filing a Chapter 7 or Chapter 13 bankruptcy you may be able to eliminate or reduce your non-secured debts such as credit card debt and medical bills. This can provide additional cash flow which can make it easier to manage your non-dischargeable debts.
By filing bankruptcy, can I stop creditor harassment?
Your lawyer can stop creditor harassment. According the Fair Debt Collection Practices Act (FDCPA), debt collection harassment is a serious offense. The minute Ms. Lee files a Chapter 7 or Chapter 13 bankruptcy on your behalf, creditors are not supposed to call you. They cannot contact you or file a lawsuit against you to collect on your debt. You are protected under U.S. bankruptcy law. If a creditor violates the injunction by harassing you or attempting to collect on a debt, they can be found in contempt and punished with a fine. If they contact you, all you have to do is refer them to your lawyer.
Ms. Lee and her office will handle all dealings with your creditors, so you can focus on getting your life organized again.
Want to find out more about bankruptcy options?
We give 1/2 hour free consultations – flexible scheduling
If you would like a free 1/2 hour consultation with our expert bankruptcy lawyer Contact Christie Lee Law Office today or give us a phone call 209-910-5291. Our office is conveniently located and open, 8:00am to 6:00pm. If you would like a weekend appointment, simply call and set one up. We are flexible with our schedule and most importantly want to get your problems resolved.
We have years of experience helping people file for bankruptcy under the US Federal Bankruptcy Law.
We primarily service clients in the Northern California region with our office in Stanislaus County. Many of our happy clients include residents from