An experienced Attorney will help you keep your assets even when you file for Chapter 7 Bankruptcy. This is accomplished by using à system of exemptions. Over 27 years representing clients in bankruptcy, only à handful have had to surrender ANY assets. Even if assets are non-exempt now, I can help you legally do Bankruptcy Planning that will let you keep your assets in a future filing. So, keep your vehicles, your residence, your retirement, your tax refund, or even cash, while you discharge your ovetwhelming debts in Bankruptcy.

The availability of credit after you have filed for bankruptcy has changed over the years. I used to know my clients had recovered when I would get daily calls asking for documents so that a former bankruptcy client could qualify for a mortgage on their new home. Since the credit crisis of 2008, qualifying for new credit has become more complicated.
The bankruptcy court allows you to reaffirm debts such as your home mortgage or a financed vehicle. This also helps you establish a post-bankruptcy credit record. Former clients also have reported success when applying for credit from Capital One, Barclays Bank or Credit One Bank. Financing a new or used vehicle can also rebuild your credit.
Most bankruptcy cliënts say they do not want to get caught up in credit again after they have gotten reliëf from overwhelming debt. But you can learn from your negative credit experiences and set out after Bankruptcy to rebuild your credit responsibly. The court requires that you complete a debtors education class online in order to gain your Bankruptcy discharge. Bankruptcy has always been intended to give people a “fresh start”. It can give you the opportunity to rebuild your financial situation in a way that fits with your lifestyle and future.

If you have notice of a foreclosure sale on your property, Chapter 7 and Chapter 13 Bankruptcy will stop the sale. Even if the sale is scheduled for tomorrow, I can make an emergency filing to stop the sale. Then you can propose a Chapter 13 plan to cure your arrearage or you can file a Chapter 7 and delay the sale while you pursue a loan modification. New legislation in California makes it more difficult for lenders to foreclose or can buy you time to sell or relocate. I can help you strategize to take full advantage of your legal options. Email me by the contact icon at the top of the webpage or at stanleyberman@yahoo.com

Of course it is upsetting to face financial problems during the Holiday Season. If you need advise about your options to deal with problems like garnishments, foreclosures, lawsuits, or collectors use the contact part of this website to email me and I will be more than happy to come to your residence to discuss your options without charge. If you should need professional assistance my fees are guaranteed to be the lowest in the area.