We offer the option of Chapter 7 or Chapter 13. There is a good reason why we have filed more chapter 13 cases than any other local law firm ever. Too many people who file chapter 7 are missing out on all of the extra benefits a chapter 13 provides:
Only chapter 13 may eliminate your second mortgage.
Only chapter 13 may lower your vehicle balance, interest rate and monthly payment.
Only chapter 13 can freeze your IRS and Franchise Tax Board balance, while forcing the taxing authorities to accept payments over five years with no further interest and penalties.
Only chapter 13 will stop a foreclosure, freeze the arrears balance that you owe and require the lender to accept your arrears payments over five years with no further charges.
We offer a free consultation, whether in the office or on the phone. We can determine whether chapter 13 make sense, or chapter 7 is what you need. We are conveniently located in the Bankruptcy Court/Child Support building at 18th and L streets in downtown Bakersfield.
Please give us a call at 323-7933 or 1-800-414-7078. As a certified specialist in bankruptcy, having been certified by the State Bar of California, Board of Legal Specialization since the designation began, I will give you expert legal advice as to what your best option is.
You may also reach us by e-mail at www.pacbell.net