Call our Sacramento bankruptcy attorneys for information on rebuilding your financial future
The Sacramento bankruptcy attorneys who sponsor Total Bankruptcy are ready to help make the protections under U.S. Bankruptcy law work for you.
These experienced Sacramento bankruptcy attorneys know that while the 2005 changes to the bankruptcy law create more steps in the process, the practical effect in terms of your ability to seek bankruptcy protection is very limited. Sacramento bankruptcy attorneys have learned through experience that few people file simply because they have run up huge credit card bills without any concern as to how to pay them. The vast majority of clients at the firms of our Sacramento bankruptcy attorneys have been forced to take legal action due to financial problems beyond their control. Uninsured medical expenses can empty even the most well guarded bank account.
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Sacramento
2949 Fulton Ave. Sacramento, CA 95821 Map | Directions Case Evaluation | Coverage |
Sacramento
1006 4th Street 10th Floor Sacramento, CA 95814 Map | Directions Case Evaluation | Coverage |
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Sacramento
2740 Fulton Avenue Suite 130 Sacramento, CA 95821 Map | Directions Case Evaluation | Coverage |
Sacramento
930 Alhambra Blvd. Ste. 150 Sacramento, CA 95816 Map | Directions Case Evaluation | Coverage |
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If you have ever wondered if filing would be a good option for you, the time to call our sponsoring California bankruptcy attorneys is now. You can simply dial our toll-free number, 1 (877) 349-1309, or fill out our online case evaluation form. A California bankruptcy lawyer will return your call to answer your questions and arrange for a free meeting at your earliest convenience.
Here are the facts.
The law now requires a debtor to meet with a credit counselor prior to filing for bankruptcy protection. Although credit card companies and the financial industry would like you to believe that the “means test” and the credit counseling requirement create substantial obstacles to those who want to file bankruptcy, the truth is that most people who are considering bankruptcy have reached that decision because they have no other realistic options—and the means test and experienced credit counselors confirm that in the vast majority of cases.
The means test doesn’t preclude you from filing bankruptcy
If your income is above your state's median income and you can afford to pay 25 percent of your unsecured debt, you generally won’t be allowed to file for bankruptcy protection under Chapter 7. However, very few debtors considering bankruptcy are in that position. Even for those who are, the means test doesn’t prevent you from filing bankruptcy—it only requires that you file under Chapter 13 instead of Chapter 7. While Chapter 13 bankruptcy requires you to make payments for a period of years, the payments are based on your income and ability to pay, and the balance of many of your debts can be discharged at the end of the payment period.
Call 1-877-349-1309 and let an experienced California bankruptcy lawyer navigate these waters for you.
Click Here For a Free Bankruptcy Evaluation