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BankruptcyContra Costa/Solano/Marin/Alameda Bankruptcy AttorneyMost of us believe that bankruptcy just can’t happen to us. We’re responsible citizens, hold regular jobs or own our own businesses. Then the unimaginable happens! Something like the present mortgage meltdown. Or an injury that puts us out of work. Or an illness that devastates us financially. OPTION 1: AVOID BANKRUPTCY The new federal bankruptcy laws make it virtually impossible to “start fresh.” Mandatory repayment is a near-certainty. Under these circumstances it’s better to try to keep a Chapter 7 off your credit record for the next seven to ten years. Dowe Law will negotiate with your creditors in an effort to make your repayment schedule one you can live with. Having an attorney negotiate in your behalf has several advantages. It communicates to your creditors that you’ll protect your rights. It can end harassing phone calls. And you have the assurance that your affairs will remain confidential. OPTION 2: CHAPTER 7 Chapter 7 is the original form of “fresh-start” bankruptcy. But not everyone qualifies. For example, if your income is above the California median, you probably can’t file Chapter 7. The alternative is Chapter 13, which requires a repayment plan. (See Option 1.) Additionally, Chapter 7 does not cancel:
Dowe Law will file your Chapter 7 or Chapter 13 bankruptcy if negotiations fail. And as you’d expect in these circumstances, our fees are quite reasonable. Initial Consultation $25
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The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Copyright © 2007 by Dowe Law (510) 233-7700. All rights reserved. You may reproduce materials available at this site for your own personal use and for non-commercial distribution. All copies must include this copyright statement. |