• We can make a difference
  • Chapter 7 case only
  • The attorney’s preparation, managing and filing of your bankruptcy
  • Don’t let the credit crunch interfere with your daily life or your marriage
  • We are here to help you make your life a little easierIs your Sacramento Bankruptcy needed?
  • Stop the creditors from the harassing late night phone calls
  • Stop the bleeding and stress
  • Eliminate most Judgments
  • Eliminate second and thrid mortgages & signature loans
  • Stop most Wage Garnishments
  • Affordable, helpful and friendly

The Law Office offers an effective and affordable solution to your financial problems. Let our experience work for you.

Getting Out of Debt

Get Out of Debt in Carmichael, CA Debt reduction and bankruptcySince March 1995, our bankruptcy firm has provided legal services for clients throughout the surrounding Sacramento area, needing to file Chapter 7 bankruptcy.

Our office provides you the information and informs you about the bankruptcy procedures in order for you to decide whether bankruptcy is the right solution for you.

If you need help getting out of debt we can help. We have helped thousands of individuals and small business getting the relief needed to relieve the pressure from the creditor’s ongoing harassing phone calls.

We can and will walk you through the process. Let us show you that getting out of debt may be more feasible than you may think. There is life after Bankruptcy.

Bankruptcy Services


Chapter 7 Bankruptcy in Sacramento, Citrus Heights and Carmichael

We offer you many different payment plans. For as little as $200.00 down you can immediately refer the ongoing creditors phone calls to us. Stop the creditors from harassing you day after day, night after night and at all hours. Let our office take the ongoing calls.In a very short period of time you will be on you way of reestablishing your credit.
Our firm specializes in chapter 7 bankruptcy. Call us today for a free consultation.

  • Chapters 7 Bankruptcy
  • Debt Relief
  • Stop Wage Garnishments
  • Keep Your Property
  • Keep your Autos, Homes and Bank Accounts
  • Eliminate Debts, Including Credit Cards, Medical Bills, Loan Companies and some Taxes

A brief description relating to reaffirmation agreements:

Reaffirmation Agreements

Even if a debt can be discharged, you may have special reasons why you want to promise to pay the debt. For example, you may wish to work out a plan with the bank to keep your automobile. To promise to pay that debt, you must sign and file a reaffirmation agreement with the Court.

Reaffirmation Agreements are under special rules and are completely voluntary. The reaffirmation agreements are not required by the bankruptcy law or by any other law.
Reaffirmation Agreements:

  • Must be voluntary;
  • Must not place too heavy of a burden on you or your family;
  • Must be in your best interest; and
  • Can be cancelled anytime before the court issues your discharge or within 60 days after the agreement is filed with the Court, whichever gives you the most time.

If you are an individual and you are not represented by an attorney, or your case is “presumed abusive” the Court must hold a hearing to decide whether to approve the reaffirmation agreement of not. The agreement will not be legally binding until the Court approves it.

If you reaffirm a debt and then fail to pay it, you owe that debt just as if there was no bankruptcy. That debt will not be discharged and the creditor can take action to recover any property on which they have a lien or mortgage. The creditor can also take legal action to recover a judgment against you for non-payment.

The updated Information listed below was complied and placed on August 25, 2012

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