NO FEE UNLESS WE WIN • 24/7 • (916) 419-1111
NO FEE UNLESS WE WIN • (916) 419-1111
social google plus black social facebook black social twitter black social you tube black



Bankruptcy by Phone

We understand these are difficult times. We make filing bankruptcy a safe and efficient process.  In most cases, we can do everything over the phone and through e-mail, so there is no need for you to ever come to our office.  If you have been struggling to get by, there is no better time to call then now.  As of January 1, 2021, bankruptcy exemptions have changed to benefit home owners.  If you are contemplating bankruptcy, call us now to see if we can help you achieve the financial freedom you deserve.  916-419-1111.

What is Bankruptcy?

Bankruptcy protection is the legal right and status of a person or business that is unable to re-pay its debts owed to creditors.   Bankruptcy is a serious legal matter and hiring professional, experienced, and knowledgeable legal representation can make a difference in your case.  The two most common types of consumer bankruptcy are Chapter 7 bankruptcy and Chapter 13 bankruptcy.  Call  Amerio Law Firm today for a FREE case evaluation at 916-419-1111 to see if bankruptcy is the right choice for you, and if so, which type of bankruptcy best suits your needs and goals.

Benefits of Bankruptcy

When you are facing overwhelming debts and dealing with non-stop creditor calls, filing bankruptcy may be your best option.  Put a stop to your sleepless nights and worry-filled days by contacting a legal professional at the Amerio Law Firm TODAY to see what the benefits of bankruptcy might be for your particular situation.  Wouldn’t knowing that you can either completely discharge your debts or possibly enter into a structured payment plan put your mind at ease?  The benefits of bankruptcy are clear:

  • Completely discharge your unsecured debts through a Chapter 7 bankruptcy or
  • Work out an effective repayment plan over the course of 3 to 5 years through a Chapter 13 bankruptcy
  • Stop harassing creditor calls
  • Stop wage garnishments, bank levies, property liens, and foreclosures
  • Get your financial freedom
  • Re-build your credit

Chapter 7 Bankruptcy

Filing for bankruptcy is never an easy decision.  With the help of an experienced attorney representing your best interests, the difficult decision to file bankruptcy can be a well-informed one.  Your attorney can assist you in the bankruptcy planning process so you and your family can focus on the financial fresh start you have been looking for.

Every situation is different and every case is different.  If you have no immediate way to pay off your debts due to job loss, death in the family, drop in household income, etc., and you are unable to resolve your financial problems with your creditors, then Chapter 7 may be the legal solution for you.  Chapter 7 bankruptcy is also known as liquidation bankruptcy or debt elimination bankruptcy and is often the best financial solution for those debtors who qualify for this type of bankruptcy.  In order to qualify for a Chapter 7 bankruptcy, the debtor must pass the “means test”, which verifies whether your income versus your debt will allow you to petition for discharging your unsecured debts.   Call us today at 916-419-1111, and we will be happy to evaluate your particular situation to see if a Chapter 7 bankruptcy is right for you.

Liquidation bankruptcy refers to the ability of the Trustee (assigned to your case) to liquidate non-exempt assets or property to sell and pay for all or part of the debt you owe.  In most cases, a debtor’s property and assets can be protected based on California exemptions, but prior to filing a Chapter 7 bankruptcy, it is important to understand what you can or cannot keep.  This is why it is so important to contact an experienced and knowledgeable attorney to assist you with this process.

Chapter 7 bankruptcy is also referred to as debt elimination bankruptcy, because the debtor is freed from liability of all of his or her unsecured debts upon discharge of the case.  Certain debts are not dischargeable in a Chapter 7 bankruptcy.  We will be happy to discuss your case with you to determine which of your debts will be eliminated, based on your particular situation.

Filing a Chapter 7 bankruptcy will stop the creditor calls, judgments, wage garnishments, bank levies, and enable you to get the fresh financial start you need and deserve! Stop wondering how to become debt free and find the answers you need to get there!  Call Amerio Law Firm TODAY at 916-419-1111.

Chapter 13 Bankruptcy

A Chapter 13 bankruptcy, commonly known as "wage earner plan" or "reorganization", provides a way for you to pay your debts and keep your assets.  The process to successfully complete a Chapter 13 bankruptcy can be complex, confusing, and even frustrating.  An experienced bankruptcy attorney can assist you with this process from beginning to end to minimize your stress and frustration.

What Happens When Someone Files Chapter 13 Bankruptcy?

Chapter 13 bankruptcy reorganizes your debts.  Depending on your unique financial situation and the type of debt to be reorganized, you will enter into a payment plan for three to five years to pay your creditors none, a portion of, or up to all the debt you owe.  You may also keep your house and car in a Chapter 13 bankruptcy, provided you continue to make the current payments and all missed payments prior to the bankruptcy filing.  Upon successful completion of a Chapter 13 bankruptcy plan, any remaining unpaid debt is discharged and from that point on begins your “fresh start.”

Is Chapter 13 the Right Bankruptcy for Me?

A Chapter 13 bankruptcy is a long term commitment you are making to address years of debt you have incurred.  Since there are so many reasons for filing a Chapter 13 Bankruptcy, you should contact an experienced bankruptcy attorney to discuss whether a Chapter 13 Bankruptcy will yield results serving in your best interests.  Call Amerio Law Firm today at 916-419-1111 today for your FREE case evaluation to learn whether filing Chapter 13 bankruptcy is the best option for you.