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Sacramento Bankruptcy Lawyer

If you are struggling with overwhelming debt that you can’t seem to rid of, you have options. Bankruptcy often has a negative connotation, but the reality is when used properly, it can be a positive financial tool for finding stability.

We understand how stressful this may be. You may even be embarrassed to approach the subject. Our attorneys at Reveille Law, P.C., can help you understand and determine if filing for bankruptcy is right for you and help you through the process. We are passionate about helping our clients move past debt and bankruptcy.

Whether you are struggling with student loan debt, high credit card debt or medical debt, Reveille Law, P.C., in Sacramento, can help you with your next steps in regaining your financial freedom.

Protecting Your Rights And Financial Future

Large medical bills combined with a loss of employment or income can create a seemingly impossible financial situation. Filing for bankruptcy can help reduce or wipe away these bills while stopping creditors from harassing you.

There are two main types of consumer bankruptcy: Chapter 7 and Chapter 13. Both types come with automatic stay protection, protecting you from creditors during the bankruptcy process. The automatic stay will stop all collection actions, repossessions and foreclosures for the duration of the bankruptcy case.

There are many potential benefits in filing for bankruptcy, including:

  • Stopping foreclosure
  • Taking back an automobile that was repossessed
  • Reducing medical bills
  • Restoring utility services

Like any legal proceeding, filing for bankruptcy is complex, and a successful filing often requires an experienced attorney. We aim to provide our clients with the highest level of representation, using creative solutions and years of experience to create a process that reduces time and stress and is cost-effective.

Answering Your Questions About Bankruptcy

Filing for bankruptcy can be confusing, and you may have many questions about the process itself and how it may impact your life later. At Reveille Law, P.C. in Sacramento, we are happy to schedule a consultation with you to address your concerns. In the meantime, you can find some of our answers to frequently asked bankruptcy questions below.

When Should I File For Bankruptcy?

Filing for bankruptcy is often the last resort. It should only be done when all other methods of repayment and satisfying obligations have failed. However, if your situation has become severe and you are facing foreclosure on your home, garnished wages, repossessions or debts that you have no way of paying, then you should file for bankruptcy immediately. Contacting an experienced bankruptcy attorney as soon as possible helps spare you the loss of your home, car and wages.

Will All My Debts Be Forgiven?

Bankruptcy will not wholly discharge all your debts and financial obligations. If you file for bankruptcy, you will still need to pay back taxes, federal student loans, child support or debts incurred because of fraud or theft. Our bankruptcy attorneys at Reveille Law, P.C., can help you determine which debts will and will not be discharged before filing so you can consider all your options.

How Often Can I File For Bankruptcy?

If you file for Chapter 7 bankruptcy, you must wait eight years after your last filing to get another discharge of debt. If you file a Chapter 13, you cannot get a discharge if you received one within the last four years as part of a Chapter 7 filing or within two years of a Chapter 13 case. This can often be complicated because there may be reasons to file a Chapter 13 case and not need a full discharge. Your best option is to consult with an experienced bankruptcy lawyer to help you figure out your situation and the best way to proceed.

Can I Lose My Job If I File For Bankruptcy?

An employer cannot terminate someone or take disciplinary action against an employee solely because of a bankruptcy filing. Most of the time, your employer will not know of the filing. However, in some cases, when a person files a Chapter 13, the court will issue a wage order directing the employer to deduct the monthly payment from your paycheck and forward it directly to the trustee.

How Does Bankruptcy Impact My Credit?

A bankruptcy filing will stay on your credit score for 10 years. However, many people considering bankruptcy already have poor credit scores due to their debts and financial situation. The filing of bankruptcy may not have a significant impact on your credit score. Still, it could provide you with a fresh start to begin building back your credit.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Get A Clean Slate in Sacramento

We understand how these financial problems can make your life miserable. But there are solutions, and we can help you find them. A bankruptcy filing is a tool that can be utilized and successful with the proper representation. Contact Reveille Law, P.C. to schedule a consultation at 916-975-0013 or use the online form.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code for Sacramento customers and all of Northern California.