We are excited to help you!

Call 800-385-2821 or Fill out our web form here for your free consultation.


En Español

California Attorneys You Can Trust ™

Debt Solutions

Notice of Bankruptcy: The Opening Volley

Have you been receiving phone calls from collections companies? Are there tersely-worded letters piling up at your front door? Is your email inbox flooded with offers of cheap and easy help? Have you missed a credit card or mortgage payment? If you have answered yes to any of these questions, there is a legal tool that has helped millions of individuals, families, and businesses correct their troubled finances and begin anew. This tool is bankruptcy.

Bankruptcy is a complex process, but its advantages warrant pursuing it with a qualified California bankruptcy attorney. Having completed a free consultation, a client will then begin the journey of bankruptcy. Your attorney will take on your creditors on your behalf, easing pressure on you and your family. The primary means by which this happens is the issuance of notices of bankruptcy.

A notice of bankruptcy, or a notice of bankruptcy and stay, is a legal notice sent to all known creditors informing them that any and all collections actions must stop immediately. If the creditor is currently pursuing legal action in court, the debtor/attorney must inform the court of the stay. Your California bankruptcy attorney will ensure these notices are served properly and timely.

You will notice above that a notice of bankruptcy and stay will only be sent to known creditors. This is why it is so important to declare all debts to your bankruptcy attorney before a petition is filed with the bankruptcy court. If a creditor is left out of the petition, there will be no notice of bankruptcy and stay, and collections will continue. Being forthcoming during your free consultation will help your attorney protect your assets regardless of whether you file for chapter 7, chapter 11, […]

By |June 3rd, 2014|Banckruptcy Law, Debt Solutions, Hughes News, Uncategorized|Comments Off on Notice of Bankruptcy: The Opening Volley

Help With Debt: What to Look Out For

When seeking help with debt, whether personal or business related, there are many organizations and groups peddling their services. Some are legitimate, others less than so. Before choosing a pathway out of debt, it is imperative to fully understand the options you have.

Credit Counseling: In California it is REQUIRED that all clients take part in credit counseling prior to filing for bankruptcy. Credit counseling is designed to help with debt and teach clients way in which they can better manage their finances in the future. There are two sessions which must be completed separately: debtor education and credit counseling. While many organizations advertise “credit counseling,” not all of these are approved by the department of justice. Be sure to check with legal counsel before choosing a credit counseling organization. These agencies are permitted to charge fees for their services, but be sure the fees are all listed up front and agreed upon prior to any counseling sessions taking place. A reasonable fee is defined as roughly $50, though this can vary as well depending on the operating costs of the agency and the ability of the client to pay. Sessions typically last 60 minutes, though this too will vary based on the needs and circumstances of the client. Finally, it is important to understand when seeking help with debt that credit counseling will not necessarily have any affect on your credit score. Many companies advertise credit report cleanup, but any such claim is dubious at best. Seek legal advise before paying for services such as these. Consult with a debt solutions attorney to see how help with debt can come in the form of credit counseling.

Debt Consolidation: Debt consolidation is simply taking on a […]

By |May 30th, 2014|Banckruptcy Law, Debt Solutions, Hughes News, Uncategorized|Comments Off on Help With Debt: What to Look Out For

Debt Help: Where Can You Turn?

There are any number of places you can turn to for debt help regardless of the amount of debt you or your business is liable for. Some of these are legitimate, others are predatory and to be avoided.

Before you debt gets out of hand there are preemptive steps you can take prior to entering into a contract with creditors. Even if you have only limited to moderate debt it is still important to organize your finances in a way that makes the most sense for you. Do not engage yourself in any financial agreements without first understanding fully the terms of the agreement and their potential consequences for the future of your family or business. Furthermore, you can means test yourself. Simply account for your current income and expenses, take out an additional percentage for incidentals and unforeseen expenses, and estimate whether you can afford to take on any added debt. If the answer to this inquiry is yes, simply determine how much debt your are capable of/comfortable with taking on. Do not allow a salesman to pressure you in to a contract that is not right for you.

However, even with the most careful planning once such an agreement has been made – whether it be concerning a credit card, car loan, or mortgage – your fortunes can change rapidly. It does not require much imagination to recall the events of 2008 and the way in which responsible individuals, families, and businesses were plunged into debt thanks to the negligence of a few bad actors. In times such as these trustworthy and useful debt help can be hard to come by. There are bad actors who are out to profit off of the misfortunes […]

By |May 21st, 2014|Banckruptcy Law, Debt Solutions, Hughes News, Real Estate Law, Uncategorized|Comments Off on Debt Help: Where Can You Turn?

Ready to get help? Three reasons you can contact us with confidence.

FREE 2 Hour Case Evaluation
2 hours, no cost, no obligation, and you get everything you need to find the right legal solution.
Specialized and Experienced Attorneys
Debt is what we do and we have helped 1000’s of families and businesses regain their financial health.
Affordable Fees and Easy Payment Plans
$100 starts your case and we have easy monthly payment plans that you can afford. Let’s get started.