SACRAMENTO BANKRUPTCY CENTER

Welcome to our website. The Sacramento Bankruptcy Center is a group of lawyers specializing in Chapter 7 Bankruptcy and  Chapter 13 Consumer and Small Business Bankruptcy and debt reorganization. With turbulent economic times, rising unemployment, and a global financial crisis, if you find yourself considering filing Bankruptcy, you are not alone. Over the last year, Chapter 7 bankruptcy filings in the Eastern District of California increased over 100%. Most consumers or small businesses need a fresh start and seek to discharge their debts in a Chapter 7 Bankruptcy, or to reorganize and repay some or all of their debts in a Chapter 13.   If you need time to repay your debts such as a mortgage, car loans, or taxes over time, the Bankruptcy Code can help you.

The Sacramento Bankruptcy Centers experienced attorneys will be your personal guide through the Bankruptcy Court.  Our goal is to get your financial problems resolved and restore your peace of mind. There are many causes of bankruptcy, and in today’s economy most people are 90 days away.  The decision to file bankruptcy is not an easy one. Some of the chief causes of Bankruptcy are</p>

• Foreclosure;
• Loss of income from lay offs, downsizing, rightsizing, changes in industry;
• Out of control credit card debt;
• Uninsured medical bills;
• Divorce;
• High cost of Gas;
• High cost of Food; and
• Life happens.

Most people wait too long to file bankruptcy and end up throwing money away.  Bankruptcy should be viewed as a statement of circumstances, not a moral or character judgment. It is only an event in your financial life or a realistic evaluation of where you are at the present time.  Unlike what you hear on the mainstream media, most people do not use the Bankruptcy Court as a financial planning vehicle. You struggle with feelings of guilt, shame, embarrassment. anger, depression, frustration and fear over an uncertain future. Many delay and wait to file too long after they should and end up throwing good money after bad by draining money from retirement accounts or savings before filing. Most resist the idea taking action.At the same time, Bankruptcy is not the solution to all your problems. But financial problems are like cancer, nobody thinks you’re going to get it, but once you’re there, its best to take proactive steps to deal with it.

• Bankruptcy gives you financial relief and puts an immediate stop to
  
• Endless harassment from abusive creditors;
• Foreclosures;
• Wage garnishments;
• Tax and Bank levies;
• Repossessions;
• Law suits;
• Evictions;  and
• Stress filled days and Sleepless nights.

Bankruptcy is not going to solve all your problems, but it will give you a fresh start and a chance to start over.  Most people are still eligible for Chapter 7 Bankruptcy relief, despite what you may have heard from friends or on the news.   The Bankruptcy process has gotten a lot more complicated, and that’s why you need the assistance of an experienced bankruptcy attorney.

You may have other options short of filing bankruptcy. We’ll do a thorough evaluation of your financial circumstances, and if you have a way to avoid filing bankruptcy tell you what your alternatives.  We try and give you the best financial advice possible, not just steer you to the Bankruptcy Court.  With changes in the law and new State and Federal programs, you may avoid bankruptcy altogether by doing a loan modification or even a global debt settlement. If you’re the victim of loan mod fraud, we can also do a forensic audit of your loan.  If we find any violations of other laws, such as the Truth in Lending Act or RESPA, you may be able to rescind your loan and or sue your lender for damages.

Our experienced, friendly and caring attorneys show you how to keep your stuff, by claiming the appropriate exemptions, get rid of your debts, and what you can do  after you file to rebuild your credit and your life.   When you hire the Sacramento Bankruptcy Center, you will also get personal attention you need from one of attorney’s throughout your case to answer all your questions.  If you are ready to take back control of your life and get a fresh start, contact us at (916) 447-6640.