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Affordable Debt ReliefOur Los Angeles bankruptcy attorneys are Certified Specialists in consumer and small business bankruptcy. Call 1-800-477-3111 for a free consultation at our office. We offer reasonable rates and payment plans.More Information |
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Know Your RightsCreditors will try to intimidate you and take advantage of your lack of knowledge. They employ aggressive teams of lawyers and debt collectors to trick and confuse you. We will ensure that you are not denied the full benefits afforded to you by the bankruptcy laws.
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Free Online Bankruptcy EvaluationIf you are not sure that bankruptcy applies to you, we offer a free online consultation where we take a close look at your situation. Simply answer a series of questions – completely confidentially – and this will help us to determine whether bankruptcy is the best alternative for you. Our Los Angeles bankruptcy attorneys understand that each case is unique and requires a personalized plan. All consultations are with an experienced bankruptcy attorney so you know you will be getting the most qualified advice. After the evaluation, if you feel that bankruptcy is the best option for you, come in to our office for a more extensive consultation and to begin the process.More Information |
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Additional ResourcesBankruptcy laws have changed. As certified Los Angeles bankruptcy attorneys, we can help you find what you need to know. Click here for additional online resources relating to California bankruptcy.More Information |
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Internet DiscountWe offer a discount to those who have done their research and found us on the web. Learn more about our Internet discount.More Information |
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Why Chapter 13?Drawbacks of Chapter 7 . Chapter 7 provides a fairly wide range of debt relief for a prospective debtor but it does not do all things for all people. There are some debt problems that Chapter 7 just does not help. A Chapter 7 case will temporarily stay a foreclosure but the filing of the case and the imposition of that stay does not give the debtor any mechanism to force a creditor into accepting a payment schedule for the cure of the default. When the Chapter 7 is discharged the automatic stay normally ends. This frees a secured creditor to proceed with lien enforcement and let’s them pick up where they left off when the bankruptcy was filed and finish the foreclosure. (In some California foreclosure cases, the stay will not stop the running of the statutory time that the borrower has under state law to cure a default.) In a case of an automobile loan that is delinquent, the vehicle will eventually be repossessed. Thus, Chapter 7 is an imperfect remedy for individuals who have defaulted on secured obligations and who are desirous of keeping the collateral. Typical Chapter 13 cases . In the past, the typical Chapter 13 case was usually filed by someone who is trying to stop the foreclosure sale of their home. The balance of Chapter 13 cases are probably filed by individuals who are trying to reorganize tax debts, deal with a default situation on motor vehicles, or retain nonexempt assets that would be liquidated if the case was administered under Chapter 7. Of course, now that the new bankruptcy laws have gone into effect, there will also be some Chapter 13 filings by individuals who have been excluded from a Chapter 7 because of the means test.
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Important notice required by Federal Law:
We are a debt relief agency pursuant to Federal Law §524 of Title 11 of the US Code. We provide legal assistance and help people file for bankruptcy relief under the Bankruptcy Code.
*DISCLAIMER: The information contained within this page and/or this site as a whole, including replies from Bayer, Wishman & Leotta to this PRE-CONSULTATION FORM, is not intended as legal advice, nor to create an attorney-client relationship yourself and Bayer, Wishman & Leota, PC and/or debt-relief-bankruptcy.com, it is informational in nature. Though bankruptcy is federal law, your particular state of domicile can impact the advice you receive. Furthermore, bankruptcy law is very complicated, therefore, an experienced bankruptcy lawyer within your state of domicile should be consulted for specific issues concerning your particular set of facts. Users of the internet should not rely on an e-mail message to Bayer, Wishman & Leota, PC and/or debt-relief-bankruptcy.com through this web site to create an attorney-client relationship. Said users should not act upon any information in this web site without first directly consulting legal counsel of their own. The hiring of a lawyer is an extremely important decision which should not be based solely upon advertisements, web pages, brochures, or other promotional materials. Unless a written retainer agreement has been signed by a member of Bayer, Wishman & Leota, PC, no attorney-client relationship exists between you and Bayer, Wishman & Leota, PC. This web site might be characterized as an ADVERTISEMENT. The responses and information are intended to be general and should not be relied upon for any specific situation. For legal advice, consult an attorney.
