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Nobody wants to find themselves in a position where they have to declare bankruptcy, but the fact of the matter is that many people in our country do when they face unmanageable debt and have run out of options. With more than 20 years of experience helping people in challenging situations to find the right solutions to their financial problems, we at The Fuller Law Firm, PC are prepared to take on your case and help you get your financial life back on track.
Reach out to The Fuller Law Firm online or call (831) 218-5925 a free consultation. Our bankruptcy lawyers in Salinas can help! We speak English, Spanish, Cantonese, Mandarin, and Farsi. We also serve clients in San Jose, Oakland, Monterey, and Hollister.
Whether you are struggling to pay off gambling losses or are interested in wiping out a second mortgage, our attorneys have the experience you need on your side to deal with or avert a crisis and to secure your financial well-being for the years to come. Under federal bankruptcy laws, you have the right to get a fresh start.
At The Fuller Law Firm, PC our Salinas bankruptcy attorneys have years of experience and they are prepared to help you with matters involving:
Chapter 7 bankruptcy is more focused on discharging unsecured debt quickly. Some examples of unsecured debt are credit card debt, personal loans, and medical bills. Chapter 13 bankruptcy allows you to discharge unsecured debt as well in addition to catching up on secured debt like home loans or car loans. Chapter 13 also allows you to reorganize and restructure your debt so that you are able to pay off your debt within 3 - 5 years.
A common misconception is that declaring bankruptcy is a sign of failure. This is not the case at all. Declaring bankruptcy is a right granted to you by law in order to protect well-intentioned, responsible people from the debilitating consequences that can come from serious debt problems. While declaring bankruptcy will damage your credit score and finances in the immediate future, it can provide you with a starting over point to get things back in order for your future. Restoring your credit rating can be faster than expected, as you no longer owe a great number of the debts you had on your report – they are discharged. You then have the ability to begin the process of rebuilding your credit.
Our bankruptcy lawyers in Salinas never push just one option; we will carefully evaluate all routes available to you before making a recommendation. Bankruptcy isn't for everyone. In many cases, you may be better served by making an arrangement through debt settlement or consolidation, and our team will be happy to sit down with you and explore these options. To learn more about what we can do for you, contact our office today to make an appointment.