Ending Your Financial Worries Through the Bankruptcy Process

In today's troubling economic climate, it has become more commonplace than ever to fall behind on your financial obligations. Whether you are swimming in high credit card debt, have incurred extensive medical bills from an injury, or have been laid off and fallen behind on your mortgage, you may be able to find effective relief by filing bankruptcy through the Chapter 7 or Chapter 13 bankruptcy process.

At the Law Offices of James V. Sansone, we have devoted this practice to providing understanding and detailed bankruptcy assistance to individuals and families throughout the Northern California area. With your best interests in mind, our staff will carefully examine your financial situation and provide the informative advice you need to weigh the benefits of each bankruptcy process and make the strongest decisions for your unique circumstances.

Debt Relief Representation Designed Specifically For Your Needs

Our staff understands that no two financial situations are alike - your family's concerns are unlike any other. With that in mind, we strive to understand your concerns and your goals before offering advice on the bankruptcy process that will be most beneficial to you. Of course, if bankruptcy isn't your best option, we'll tell you. After all, we are here to help you alleviate your debt concerns, not add to them.

We offer advice on various bankruptcy matters and processes, including:

  • Chapter 7 bankruptcy: Also known as liquidation bankruptcy, Chapter 7 allows for the discharge of unsecured debts including credit cards, medical bills and personal loans. In the average case, a person is usually able to exempt all their personal property to avoid a sale. The Chapter 7 process can be completed in as little as 90 days, allowing you to begin rebuilding your financial standing.
  • Chapter 13 bankruptcy: The Chapter 13 process allows you to create an affordable payment plan that gives you the chance to catch up on past due debts. The payment plan, lasting three to five years, gives you the opportunity to pay off lowered settlement amounts to your debtors and discharge your remaining debt once the plan is complete.
  • Bankruptcy litigation: Our staff offers bankruptcy litigation guidance to creditors and lenders interested in protecting their accounts from discharge during a debtor's bankruptcy proceeding. We also defend creditor litigation against the debtor.

Please contact our office online or call 707-623-1875 to schedule a consultation to discuss your financial worries with our lawyer and to learn if the bankruptcy process is right for you.