An Experienced Bankruptcy Lawyer on Your Side
Under United States federal law, people who find themselves mired in debt they cannot afford to pay have the right to discharge some of that debt in bankruptcy. At the Law Offices of James A. Pixton in Oakland, Alameda and Modesto, California, we can help you decide whether bankruptcy is right for you. Contact us to schedule a free 30-minute consultation with experienced bankruptcy lawyer James A. Pixton.
Helping You Understand Your Options
There are many different reasons why people consider bankruptcy, and there are several options available under the bankruptcy laws. We can help you understand all of the following:
- Chapter 7 liquidation: This type of bankruptcy may allow you to get a relatively fast discharge of your eligible debts.
- Chapter 13 debt adjustment: Under a Chapter 13 payment plan, you partially repay your debts over a period of three to five years.
- Foreclosure and repossession avoidance: Bankruptcy can immediately stop foreclosure and repossession, giving you time to catch up on payments.
- Creditor harassment: Filing for bankruptcy puts an automatic stay on phone calls, letters, lawsuits and other debt collection efforts.
- Tax obligations: Bankruptcy can help you avoid tax liens, levies and wage garnishment and give you more time to pay back taxes.
- Credit card debt: Credit card debt can be like quicksand; once you are in just a little bit, it can quickly become overwhelming. Bankruptcy may be the best way to get out.
- Small business bankruptcy: We understand the unique concerns involved when business debts are affecting your personal finances or vice versa.
Attorney James A. Pixton will determine your eligibility for bankruptcy and its likely consequences based on your individual circumstances.
Answering Your Bankruptcy Questions
People have many concerns about filing for bankruptcy. They may think their credit will be ruined forever and they will be branded as someone who does not pay their bills. Luckily, neither of these is true. We will give you accurate information so you can make an informed decision. The following are common questions about bankruptcy:
- Which debts can be eliminated?: A majority of average debts can be discharged in bankruptcy.
- Which property can I protect?: People who file for bankruptcy may be allowed to keep all or most of their property.
- How does bankruptcy affect my future?: Contrary to what many people believe, having a bankruptcy on your record does not ruin your life; you may even be able to start getting new credit within a relatively short period after filing.
Whatever questions you have about bankruptcy, we will make sure that you have the knowledge necessary to make an informed decision about filing. Contact us to discuss your bankruptcy concerns.
