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Get immediate protection from creditors and a clear path to financial freedom with experienced bankruptcy representation.
Hear from Our Customers
The phone stops ringing with collection calls. Your paycheck stays in your account instead of being garnished. You sleep through the night without worrying about losing your house.
That’s what happens when bankruptcy protection kicks in. The automatic stay stops all collection activity immediately – no more threatening letters, no more wage garnishments, no more bank account freezes.
Most of our clients tell us the relief starts the day we file. You’ll have breathing room to think clearly about your financial future instead of just surviving each month. Whether you qualify for Chapter 7 debt discharge or need Chapter 13 to save your home, you’ll have a concrete plan instead of drowning in uncertainty.
We have helped Rosedale families navigate bankruptcy proceedings for years. We understand how the local bankruptcy court operates and what trustees expect in your paperwork.
You’re not getting a one-size-fits-all approach here. We know the difference between someone who needs immediate debt relief through Chapter 7 and someone who can save their home with a Chapter 13 payment plan. Most importantly, we know you’re dealing with a stressful situation and need straight answers, not legal jargon.
First, we’ll review your complete financial situation during a consultation. We’ll look at your income, debts, assets, and what you’re trying to protect. This determines whether Chapter 7 or Chapter 13 makes sense for your circumstances.
Next, we prepare and file your bankruptcy petition with the court. The moment we file, the automatic stay goes into effect. All collection calls stop. All garnishments stop. Any foreclosure proceedings get put on hold.
Then we guide you through the meeting of creditors, which is typically a brief proceeding where the trustee asks basic questions about your finances. Most clients are surprised how straightforward this part is. Finally, you’ll receive your discharge order, eliminating qualifying debts and giving you the fresh start you need.
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We handle both Chapter 7 and Chapter 13 bankruptcy cases for Rosedale residents. Chapter 7 eliminates most unsecured debts like credit cards, medical bills, and personal loans. Chapter 13 lets you keep your home while reorganizing your debts into an affordable payment plan.
Beyond bankruptcy, we provide foreclosure defense services. If you’re behind on mortgage payments, we can often negotiate loan modifications or use bankruptcy protection to stop foreclosure proceedings while you catch up on payments.
We also help with debt settlement negotiations when bankruptcy isn’t necessary. Sometimes we can resolve your debt problems without filing bankruptcy at all. Every situation is different, which is why we start with a thorough review of your specific circumstances before recommending any course of action.
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