Talk to a Sacramento bankruptcy lawyer from Total Bankruptcy today!
Talk to a respected Sacramento bankruptcy lawyer soon if you are a low income, working class consumer who has too many bills. A qualified Sacramento bankruptcy lawyer can give you real advice based on his or her experience in debt consolidation and liquidation filings.
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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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When you hire a Sacramento bankruptcy lawyer you do so because you have exhausted all your other resources. The weight of your debt is affecting every aspect of your life. You can't sleep and your health is beginning to suffer. Like so many people today, you have encountered a series of unfortunate events that combined together have exacerbated your already wobbly credit to the point where you are unable to make ends meet. Last year over 1.5 million Americans filed for protection from their creditors.
Total Bankruptcy - experienced legal help
Total Bankruptcy is a cooperative effort by experienced consumer debt consolidation law firms located throughout the country. Call 1-877-349-1309 for a free consultation from a sponsoring Sacramento bankruptcy lawyer. A sponsoring California bankruptcy lawyer of Total Bankruptcy will be able to evaluate your specific circumstances and give you advice based on a thorough knowledge of the U.S. Bankruptcy Code and California exemptions.
Depending on your unique situation, our qualified legal staff can advise you on whether you need to file at all or whether a Chapter 7 or Chapter 13 would work best for you. A Chapter 7 could be right for you if most of your debts are unsecured, meaning no collateral is backing them up. These might be discharged in a Chapter 7. Some of these unsecured debts include credit card debt, medical bills and judgments resulting form car accidents. On the other hand, if you do have a job or some other source of regular income that you can use to make payments under a repayment plan, a Chapter 13 may be right for you.
Bankruptcy law requires debtors to receive credit counseling at their own expense before filing for either Chapter 13 or Chapter 7. It might be difficult to wipe out credit card bills and other unsecured loans under a Chapter 7 filing. A strict "Means Test" is imposed which is designed to make sure that people with the means to do so repay at least some of their debt. Debtors with above-average incomes can be forced into Chapter 13 plans instead of Chapter 7 -- forcing them to repay more debts. Debtors with incomes above their state's median and with the means to pay some debts are not allowed to file under Chapter 7.
For an appointment with an attorney, simply fill out our free and secure online evaluation form or call 1-877-349-1309.
Click Here For a Free Bankruptcy Evaluation
The purpose of this web site is to help you learn everything you need to know about bankruptcy, the process, your bankruptcy attorney and your legal rights. The best place to start is with the U.S. Bankruptcy Code. It delivers protection to people in financial jeopardy who are suffering under mountains of debt. Bankruptcy is your legal right.