Law Offices of
Michele M. Poteracke

     707 571-1109
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When to File Bankruptcy
Should You, Or Shouldn't You File for Bankruptcy?

Bankruptcy relief is usually a last resort when you are over-burdened with debt.   It is not a moral issue and does not reflect badly on your character.  It's all about the numbers.

Fairfield bankruptcy lawyer, Michele Poteracke will explain how bankruptcy works and whether it is right for you.

Ask for a Consultation Early, Before You Spend Your Life Savings or Retirement Monies

There are few things more tragic than a person who delayed asking for help with debt.  Santa Rosa bankruptcy attorney Michele Poteracke will advise you on the best way to ensure your assets remain safe.   

For example, your retirement funds are usually totally exempt - which means they're safe and you can keep them intact even with a bankruptcy.  Talk with an experienced bankruptcy attorney in Fairfield and in Santa Rosa, California, to learn how to hang onto this valuable asset.

Bankruptcy is intended to provide a FRESH START to those who file for relief.  That means that you will be allowed to keep much of what is deemed necessary for you to begin again after your debt has been wiped away through the bankruptcy discharge.

Ask for a consultation from Fairfield bankruptcy attorney Michele Poteracke before you throw away money on debt that is totally dischargeable in bankruptcy.  The earlier you look at the bankruptcy option, by obtaining a free consultation from a qualified bankruptcy attorney, the sooner you may save thousands of dollars.  

Timing Really Does Matter

When Santa Rosa bankruptcy attorney Michele M. Poteracke reviews your financial situation with you, she looks at your entire financial picture:
  • your assets - to make sure they are of the type and value you can keep after a bankruptcy
  • your debts - to make sure they are the type that will be discharged
  • and, your monthly income and expenses - which effect the "Means Test" calculation

Find out from experienced Fairfield bankruptcy attorney Michele Poteracke how bankruptcy treats your assets and debts.  Timing can make all the difference in when and if a debt is fully dischargeable.

And, if you've experienced a change in your financial situation, timing can make a difference in which chapter is best for you - chapter 7 or chapter 13.

Talk to Fairfield bankruptcy lawyer Michele Poteracke  to optimize your options.  Learn your rights and your responsibilities and how bankruptcy can help you get a fresh start.  

Stop throwing money away on debt that stands in the way of your starting over.  Get a free consultation when financial stress strikes.  It may save you thousands of dollars. 

Speak with a Knowledgeable and Experienced Fairfield and Santa Rosa Bankruptcy Attorney about Your Options - Learn about Your Rights and Responsibilities

At the Law Offices of Michele M. Poteracke in Fairfield, and in Santa Rosa, we help people throughout the North Bay, East Bay and Wine Country stop creditor harassment, reorganize and discharge debt and get the fresh start they need.

For more information, send us an e-mail at or call us at 707 571-1109 to schedule a free initial consultation.  Or, fill out the Bankruptcy Questionnaire  to schedule a telephone consultation.

The Law Offices of Michele M. Poteracke is a debt relief agency.

We help people file for bankruptcy relief under the U.S. Bankruptcy Code.

FAIRFIELD & SANTA ROSA BANKRUPTCY LAWYER - Serving clients throughout Solano, Napa, Sonoma, Lake and Mendocino Counties. including but not limited to the cities of Fairfield, Vacaville, Vallejo, Santa Rosa, Petaluma, Rohnert Park, Cotati, Sebastopol, Guernville, Cloverdale, Ukiah, Lakeport, Kelseyville, Napa, Calistoga, and Middletown, California. 
Contact Us Now

If you have any questions or you
wonder if bankruptcy is right for you, contact us to set up a free consultation. 

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Why Choose Us?

  • Reasonable Rates
  • More than 20 Years Bankruptcy Experience
  • Attentive and Responsive to Your Questions and Concerns
  • Pro-Active in Analyzing Potential Problems with Your Case
  • Efficient and Friendly
  • Offices Conveniently Located :

In Fairfield at:
550 Webster Street, Suite 3
Fairfield, CA 94533

And In Santa Rosa at:
850 3rd Street
Santa Rosa, CA 95404

The Law Offices of
Michele M. Poteracke
Telephone: 707-571-1109
FAX: 707-540-6287

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