A Seasoned Bankruptcy Attorney You Can Trust Solano County Bankruptcy Attorney
The numbers of people facing the heavy burden of debt from credit cards, medical bills, and upside-down mortgages remain high, despite occasional reports that the economy is getting better.
Many of us continue to reel from the heavy burden of reduced hours at work, loss of jobs, upside-down home mortgages, and a credit pinch that caught many with credit card debt at double the interest rates charged only a few years ago.
If that sounds painfully familiar, there is help - a way out.
Speak with a Knowledgeable and Experienced Bankruptcy Attorney about Your Options - Learn about Your Rights and Responsibilities
Bankruptcy lawyer Michele M. Poteracke in Fairfield and Santa Rosa takes the time to learn about you, your financial issues, and your needs and analyzes what can be done to relieve you of the financial problems that cripple you. If bankruptcy turns out to be the best option for you, we will guide you through the process, from beginning to end. If bankruptcy is not right for you, we will tell you that as well. The consultation is free.
Be informed before you make a decision.
Bankruptcy is the only avenue to offer immediate relief:
- Stop creditor calls and harassment
- Stop a home foreclosure
- Stop repossession of vehicles and other property
- Stop lawsuits - from credit card companies and everyone else
- Stop levies, garnishments, and attachments
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 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.
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 firstname.lastname@example.org or call us.
Mandatory Bankruptcy Forms are Extensive and Detailed
Mandatory forms approved by the court are required to be used when filing for bankruptcy relief. You may find them intimidating, not to mention confusing, but Fairfield bankruptcy attorney Michele Poteracke will make sure they are filled out properly.
Your paperwork includes schedules where all of your assets and debts are to be listed, as well as your monthly income and expenses. If you are self-employed, you may need to add attachments to these schedules to explain your business income and expenses. The forms also include a question and answer section called the Statement of Financial Affairs; then, there's the Means Test and still more forms.
Santa Rosa bankruptcy attorney Michele M. Poteracke will go through all of the forms and provide you with guidelines for providing documents like pay stubs, tax returns, and bank statements, not just for her to review but also for your bankruptcy trustee.
A Trustee will be Appointed to Review your Case
Your bankruptcy case is filed with the U.S. Bankruptcy Court in the district where you have lived for the greater part of the last six months.
For instance, if you live in Napa, California, your case is filed in Santa Rosa with the U.S. Bankruptcy Court for the Northern District of California; but if you live in Vallejo, California, only ten miles away, your case is filed in Sacramento with the Eastern District of California.
Our Fairfield and Santa Rosa bankruptcy attorney Michele M. Poteracke files cases in both districts and has done so for many years.
Your location is important to you because, among other things, you will have to attend a mandatory creditors’ meeting at the court where your case is filed. Fairfield bankruptcy attorney Michele M. Poteracke will provide you with all the information you will need to be prepared for the meeting conducted by your trustee.
The information you provide helps us determine if a chapter 7 bankruptcy or a chapter 13 bankruptcy would benefit you and which one you qualify for based on your income and other considerations. Our bankruptcy attorney represents clients throughout Solano County, Sonoma County, and Napa County, including but not limited to the cities of Fairfield, Vacaville, Vallejo, Santa Rosa, Petaluma, Rohnert Park, Napa, and Sonoma, California.
PLEASE TAKE NOTE: THE U.S. BANKRUPTCY COURT HAS PROVIDED SEVERAL INFORMATIONAL NOTICES WHICH IT WISHES EACH POTENTIAL FILER TO REVIEW BEFORE MAKING THE DECISION TO FILE FOR BANKRUPTCY RELIEF. CLICK HERE TO READ SOME OF THOSE NOTICES NOW. A COPY WILL ALSO BE PROVIDED FOR YOU DURING THE CONSULTATION TO KEEP IN YOUR FILE.