Bankruptcy

San Joaquin Valley Lawyer for Consumer Bankruptcy

Chapter 7 ● Chapter 13

Are you sinking in an ocean of debt? When your personal debt has become unmanageable, we can help you find your way to financial freedom. Bankruptcy has become an accepted method of dealing with overwhelming debt and getting a fresh start. An experienced bankruptcy attorney will help you determine if Chapter 7 or Chapter 13 is right for you.

E-mail us or call us at 209-955-1999 to schedule a free consultation with an experienced bankruptcy lawyer.

At the Law Offices of Gregory R. Davenport, we have helped numerous individuals and families take the steps needed to get out of debt. With more than 15 years of experience practicing law, we combine knowledgeable counsel and personal attention. Serving people throughout the state of California, we are ready to help you.

Bankruptcy is Not the End

In the past, bankruptcy was seen as a last resort — something to be avoided at all costs. Today, filing for bankruptcy has become a commonly accepted method for turning around a bad situation. From a legal perspective, it is one of the best options for people needing a new financial beginning.

With the economic challenges our country has faced, including the housing crisis, otherwise fiscally responsible citizens are finding their budgets tightly stretched. When an unexpected medical emergency arises or a job is lost, it is easy for the already extended budget to break. Often, when people find themselves in this situation they slip into ever greater debt, especially with the use of credit cards, making recovery nearly impossible without outside help.

Types of Bankruptcy

For consumer bankruptcy, there are two forms that are most common: Chapter 7 and Chapter 13. One allows for the debt to be discharged while the other allows the debt to be reorganized into a payment plan. Both immediately stop harassment from bill collectors and wage and bank account garnishment and both effectively provide debt relief.

At our firm, our legal team will help you determine if bankruptcy is right for you. By administering the means test, we can discover which chapter you can file under your personal situation and move forward with the steps required for a fresh start.

To discuss your bankruptcy case with a dedicated attorney, e-mail us or call us at 209-955-1999.