Are you troubled by debt collectors calling you night and day?  A Chapter 7 Bankruptcy will eliminate these collection calls and discharge you from the legal obligation to pay these debts.  My office will prepare all your paperwork and represent you through all phases of the process.  I offer a free consultation to discuss your options and whether you can safely file for bankruptcy.  The fees are the lowest in the area.  My office also prepares and files Chapter 13 bankruptcies which can cure an arrearage on your home mortgage, on your vehicle, and can even lower the debt you have on these obligations.  For a second mortgage that is no longer secured because your property is worth less than the amount of your first mortgage, I can complete a process that is called “lien stripping” and eliminate your second mortgage completely.  Your Chapter 13 plan payment is calculated to be all of the excess money you have per month after deducting allowable expenses.  I calculate this and propose a plan to the bankruptcy court for your payments.  Mine is the only office in the Grass Valley or Nevada City area that files Chapter 13 bankruptcies so if you need this type of service I can prepare your filing.  I will gladly talk with you on the phone if you are unable to come in or house calls can be arranged.  Even weekend or evening appointments can sometimes be arranged.  Collections such as wage attachments, garnishments, liens, bank levies, notices of default, and foreclosure sales can be stopped.  I offer quick, experienced and friendly assistance in debt relief.  Call 530-265-2939 for help in the Nevada, Placer, Yuba, Butte, Sierra, and Sacramento Counties.