Modesto Bankruptcy Lawyer
Are you buried in debt and looking for a way out? The Modesto bankruptcy attorneys here at The Law Offices of Gabriel Liberman understand that you wouldn’t be on this page if you weren’t thinking about filing for bankruptcy. As Modesto’s dependable debt-relief agency, we can offer consumers and businesses immediate relief from harassing phone calls, collection letters, and wage garnishment, and we can STOP the foreclosure process.
Moreover, our bankruptcy attorneys in Modesto will work hard to safeguard your personal and business assets while constructing solutions designed specifically to meet your unique financial needs. We will strive to protect your assets from liquidation, defend against creditor lawsuits, and, in some cases, discharge your second mortgage, enabling you to keep your house.
Filing for bankruptcy in Modesto isn’t always the best option. As experts in consumer credit and real estate law, our attorneys can offer you various alternatives to bankruptcy that provide many of the same protections.
You’re just one step away from regaining financial independence and starting fresh, so contact us online visit our Modesto, CA, office, or call us at (209) 442-4433 right now.
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[effortless-gm address=”1111 J St., Modesto, CA 95354″ size=”280×160″ name=”Modesto” zoom=”12″]
Located in beautiful city of Modesto
1111 J St.,
Modesto, CA 95354
(209) 442-4433
Chapter 7
Get a fresh start with Chapter 7. In most cases, you can eliminate all your debt while keeping your assets.
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Chapter 11
Reorganize debt with Chapter 11. This option for businesses and individuals makes debt repayment affordable—and can even force loan modification on real estate.
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Chapter 13
Restructure debt with Chapter 13. Reduce, defer, restructure, or walk away from your payments on car loans, mortgages, and other debts.
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Bankruptcy Alternatives
Bankruptcy is not right for everyone. Learn about financial alternatives that allow you to reduce your debts without filing for bankruptcy.
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Three things you need to know if you’re considering bankruptcy
If you’re considering bankruptcy, the first thing you should do is talk to our Modesto bankruptcy attorneys at The Law Offices of Gabriel Liberman. In Modesto, bankruptcy laws are complicated and always changing, so you’ll need professional counsel to navigate the process. However, there are some “bankruptcy basics” that every Modesto resident should know:
The best way to decide whether bankruptcy is right for you is to meet with a Modesto attorney who specializes in bankruptcy and debt solutions. A good bankruptcy attorney will provide a free consultation, charge a reasonable fee, set up a payment plan you can afford, and demonstrate a solid track record of successfully handling bankruptcies like yours. Your Modesto bankruptcy attorney should also thoroughly discuss the different chapters of bankruptcy and alternatives to bankruptcy so you can make the decision that’s right for you and your financial future.
Your bankruptcy attorney will ensure you take full advantage of the many benefits of filing for bankruptcy in Modesto. First and foremost, bankruptcy can effectively wipe out most, if not all, of your credit card debt and other unsecured debt. Bankruptcy can also stop repossession of your home or car and will immediately stop creditors from contacting you by phone or mail. While bankruptcy will show up on your credit report for up to ten years, you can benefit from bankruptcy by rebuilding your credit immediately. Our bankruptcy attorneys here at The Law Offices of Gabriel Liberman can share with you both Californian and national lending institutions that work with individuals who have less-than-perfect credit scores.
As you work with your Modesto bankruptcy attorney to decide whether or not to file for bankruptcy, it’s important to know what bankruptcy can’t do. Bankruptcy usually can’t get rid of student loans, as it’s very difficult to prove that repayment of student loans would cause “undue hardship.” Also, bankruptcy can’t wipe out child support and alimony obligations; you’ll still be required to pay those amounts in full. While bankruptcy can dismiss many debts, it typically does not eliminate liens that allow creditors to repossess property not paid for; in some cases, though, bankruptcy attorneys can help Modesto residents keep their property. Bankruptcy also can’t automatically waive tax debt, but the experienced bankruptcy attorneys at The Law Offices of Gabriel Liberman can increase your odds of discharging unpaid taxes.
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