For the 17 years the Law Office of Bert M. Vega has practiced Bankruptcy Law. His emphasis on Chapter 7 and Chapter 13 representation serves the financial needs of both individuals and businesses primarily in Vallejo, Benicia, Fairfield and Martinez, CA, but the law practice has clients throughout Northern California including clients from Sacramento, Oakland, Walnut Creek, and Napa County.
The banktuptcy law firm may help youl stop lawsuits, foreclosures, repossessions, and evictions. And, law office helps its clients get rid of credit card debt, medical bills, and even some mortgages.
Chapter 7 or Chapter 13 bankruptcy is often a consideration because of credit card debt, hospital and medical bills, and other financial debts have become overwhelming. Recently, the law has has helped those who have lost their job or your income is not enough to meet their bills and obligations.
Bert M. Vega, Attorney at Law, can discuss with you your bankruptcy options and help you get a fresh start. A bankruptcy can help in three important ways (after you have hired a bankrupcty lawyer):
- Allows the person or business to begin saving your money
- The harassing creditor phone calls stop
Bankruptcy Attorney - Solano County
Bert M. Vega
Attorney at Law
506 Sacramento St.
Vallejo, CA 94590
Chapter 7 and Chapter 13 Bankruptcy Lawyer in Vallejo, CA
The Law Office of Bert M. Vega has vast experience with California bankruptcy laws, for individuals and businesses, and is prepared to help you with your financial debt problems.
Whatever the cause of your financial dilemma it is important to understand the U.S. government recognizes your problem and provides federal bankruptcy laws to support people that are simply in too much debt. But everyone situation is not the same, and each case is unique, and bankruptcy may not be the answer if there is another more suitable alternative. If you decide to file for bankruptcy, Vallejo lawyer Bert Vega will carefully analyze which Chapter is best for you and your family and then guide you throughout the entire bankruptcy process. The two most common types of bankruptcy are Chapter 7 and Chapter 13 that provide individual bankruptcy protection.
Filing Chapter 7 Bankruptcy can eliminate most or all of your debt; but may also result in court ordered liquidation of your assets. Chapter 13 Bankruptcy is generally considered a better alternative for more complex situations and specific debt relief issues.
Filing Chapter 13 Bankruptcy can be used to prevent foreclosure and safeguard the home investment by restructuring your mortgage in arrears. It can also stop repossession of your car, truck, or motor-home by similarly redoing the loan payments to make it more economical feasible. Chapter 13 addresses debt problems including back taxes, permitting the home owner to catch up without penalties and involuntary levies against their wages and assets.
There are set guidelines in place for this type of bankruptcy including the amount of secured debt and unsecured debt you have. Only individuals are eligible for this type of bankruptcy. Corporations and business partnerships must use another form if they seek debt relief or debt restructuring. Other restrictions apply - speak with a qualified bankruptcy lawyer as to how these restrictions apply to your specific situation ... many bankruptcy attorneys offer a free initial consultation. Because of the delicate and complex nature of each persons finances, including your own, it is best to speak with an experienced California bankruptcy attorney to completely understand your options. The Solano county Law Office of Bert M. Vega provides creative solutions to even the most difficult debt problems.
Be advised to file a Chapter 13 bankruptcy you must prepare some documents ahead of time, including:
- Complete list of all creditors and the amount you owe to each
- Your current income and any spousal support, child support, pension payments or other financial obligations you may have
- An accounting list of your monthly expenses (itemized)
- A list of all the property that you own (all property "in your name")
When you file for bankruptcy an automatic stay is granted. The injunction stops all creditor actions against you. This mean creditors are not allowed to:
Harass you with collection letters, phone calls, or lawsuits
Seek to repossess of your car or other valuable possessions
Garnish your wages
Foreclose on your property
Enforce legal judgments against you
Bankruptcy is a viable way to remove all debt you owe for large medical bills and large credit card balances. At the Law Office of Bert M. Vega the staff gets great satisfaction seeing their clients' start anew ... with a fresh perspective for the opportunity of a beginning. The law firm is 100% dedicated to helping our neighbors in Vallejo, Benicia, Fairfield, and Martinez (and our friends throughout Napa, Solano, and Contra Costa counties) get out from under oppressive cloud of consumer debt.
DISCLAIMER: The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual legal situation. The law firm invites you to contact them and welcomes your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established.
From his law office in Vallejo, CA, Bankruptcy lawyer Bert M. Vega serves clients in Solano county, Napa county, Contra Costa county, including the towns, cities, and surrounding areas of Benicia, Fairfield, Martinez, Walnut Creek, Oakland, Vacaville, and Napa.
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