CHAPTER 7
& CHAPTER 13 BANKRUPTCY SERVICES / DEBT RELIEF
If you are
concerned about your current financial situation, contact Wine Country
Family Law & Bankruptcy Office for a free
initial consultation. Dealing
with financial difficulties can cause stress and worry in your life.
You may feel like you are in over your head and don't know where to
turn. At Wine Country Family Law & Bankruptcy Office, we can
help you get back your peace of mind. Bankruptcy attorney Lindsay R.
Smith can answer the questions that you may have
about Chapter 7 and Chapter 13 bankruptcy. Today many people face money
problems due to the high price of mortgages, transportation, health care costs, and every
day living expenses. Often our clients turn to us after experiencing
sudden life changing events such as job loss, failure of a business,
illness, injury, divorce or death of a spouse. You are not alone. It is
common these days to get
behind on monthly payments at some point or have major credit card
debt that is out of control due to skyrocketing interest rates and
late fees. Even home foreclosures and short sales are now commonplace.
If
you need some help making ends meet, exploring the options of
debt relief or debt re-organization that are available under consumer
bankruptcy laws may be the right path to get you back on track.
After
consulting with Wine Country Family Law & Bankruptcy Office,
you will see that bankruptcy is a very powerful debt relief device.
Some of the relief it provides:
- Stops all
collections calls and harassment
- Stops all
collection activity including wage
and paycheck garnishment
- Stops
repossession of personal property such as your car
- Can be
used to stop a scheduled foreclosure on your home
- May wipe
out 2nd mortgages on under-secured
homes
- Allows you
to catch up on your late mortgage
payments
- May allow you to restructure your car loan in order to pay the current value of it over 3 or 5 years, rather than the remaining balance
- Eliminates
all or most of your debts
- Gives you
a fresh start
Personal
care and attention that you deserve at
a cost that you can afford:
The recent
wave of bankruptcies have brought about volume bankruptcy law firms
with attorneys who find it a burden to pick up calls from clients. They
"sell" bankruptcy instead of being a source
of honest legal advice in your difficult financial time.
Wine Country Family Law & Bankruptcy Office is different from
many of the other bankruptcy law firms out there. We strive to provide
a high degree of service and personal care to each of our clients. From
start-to-finish, all
of our client's cases are personally handled by our bankruptcy
attorney, Lindsay R. Smith, not paralegals or
assistants. This
ensures your case gets the highest quality of care and attention. Our
philosophy is simple: provide competent and high quality bankruptcy
services at a reasonably low cost. Although legal services aren't
cheap, our flat rate services are typically much lower than other Santa
Rosa, Petaluma, Ukiah, Lakeport, Fort Bragg, and Novato
bankruptcy law firms. Our clients know up front exactly
how much they will pay and do not have to worry about steadily
increasing legal bills. Unlike many North Bay bankruptcy law firms, we
do not require all fees to be paid at the outset of your case. We
always provide free initial consultations and we'll take the time to
talk with you, answer your questions, evaluate your situation and
discuss your options.
Bankruptcy attorney Lindsay R. Smith is a member of the National Association of Consumer Bankruptcy Attorneys. You can view client testimonials of Lindsay Smith's services at www.avvo.com
Making
the decision to file (or not to file)
bankruptcy:
Some
bankruptcy attorneys will only spend a
cursory fifteen minutes or so with you to tell you whether or not you
qualify for bankruptcy. Our office is different. Filing bankruptcy is a
major decision to make. Wine Country Family Law & Bankruptcy
Office
strongly believes that the decision to file bankruptcy should not be
made based upon a brief ten or fifteen minute discussion. We feel that
it is important to educate our clients regarding the various chapters
of bankruptcy available, how the process works, the ramifications of
filing bankruptcy, and some “do’s and
don’ts”
when considering filing bankruptcy. Our
office spends an average of
forty-five to sixty minutes on each consultation completely free of
charge. Attorney Lindsay Smith
takes special care
to ensure that bankruptcy is explained in a straight forward and
down-to-earth fashion. We want our clients to be educated and informed
regarding their options so that they feel confident in their decision
to file bankruptcy (or not to file). Even if filing bankruptcy does not
appear to be your best option, we will tell you so and explain why.
Bankruptcy lawyer Lindsay Smith is also happy to
answer any questions that arise after your initial consultation at no
cost.
Let
us relieve some of your stress:
Attorney
Lindsay R. Smith will
deal with all of your creditors from the moment she becomes your
attorney, relieving
unnecessary
stress from your life.
Wine Country Family Law & Bankruptcy Office also uses
the
latest technology so that the process of obtaining information from our
clients is quick and easy.
Instead of burdening our clients with
the typical two inch thick packet of paperwork to fill out utilized by
most bankruptcy attorneys, we provide our clients with a simple on-line
interview system. Of course, a client may always opt to receive the
paperwork to fill out, if they prefer. We also use an automated credit
reporting system in order to obtain your credit report. This system
automatically transfers all of your credit report information into our
secure computer system so that you don’t have to dig through all of your bills in order to give us the information.
We give you the option to file bankruptcy without leaving home!
In order to
minimize the disruption on our
client’s work and family schedule, we will not require
multiple
trips to our offices. Our initial consultation can take place by phone
or in our Cloverdale office. We prefer to meet with
our clients at least one time in order to review and sign their final
documents to be filed with the Court.
However, if our client finds it more convenient to review documents together by phone, we are happy to accommodate their request . In this situation, our clients will usually only need to travel one time during their entire bankruptcy case (to attend their mandatory Meeting of Creditors in Santa Rosa).
Of course, our clients are welcome
to call us to make an office appointment anytime they want to come in.
Wine Country Family Law & Bankruptcy Office is fortunate to
have
clients come to us from all over the North Bay. We serve clients in
Fort Bragg, Willits, Laytonville, Covelo, Napa, Calistoga, Hidden
Valley, Napa, Clearlake, Kelseyville, Windsor, Healdsburg, Guerneville,
Sebastopol, Rohnert Park, Petaluma, and San Rafael, to name a few.
We invite
you to compare our low fees and personalized services to those offered
by other Chapter 7 and Chapter 13 bankruptcy offices in Sonoma,
Mendocino, Lake, Marin, and Napa Counties.
While our
office is located in Cloverdale, California we provide
legal
services to all residents of the Northern District of the United States
Bankruptcy Court Santa Rosa Division, including but not limited to Ukiah, Healdsburg, Santa
Rosa, Petaluma, Rohnert Park, Sebastopol, Guerneville, Napa, Sonoma,
San Rafael, Novato, Fort Bragg, Willits, Clearlake, Kelseyville,
Lakeport, Arcata and Eureka. In
addition to free face-to-face consultations we also provide our free
consultations over the telephone.
Wine Country Family Law & Bankruptcy Office is a short but
scenic thirty minute drive from both Santa Rosa and Ukiah. (Note: The
U.S. Bankruptcy Court, Northern District, is located in Santa Rosa,
California).
We have
helped individuals all over Northern California file for bankruptcy,
particularly residents of Sonoma, Mendocino, and Lake Counties. Contact
Wine Country Family Law & Bankruptcy Office today for your free
initial consultation.
You can
contact us directly by phone at (707) 669-0841, or CLICK HERE
to send us a contact request online.
After
obtaining an appointment for your bankruptcy evaluation, please CLICK
HERE to complete a bankruptcy
questionnaire.
We are a debt
relief agency. Our office helps people file for bankruptcy relief under
the U.S. Bankruptcy Code.
CLOVERDALE
& UKIAH DIVORCE LAW - Wine Country Family Law &
Bankruptcy Office
Serving
clients throughout Sonoma, Lake and Mendocino Counties, as well as
Northern California, including, but not limited to, Cloverdale,
Healdsburg, Windsor, Santa Rosa, Rohnert Park, Cotati, Penngrove,
Petaluma, Sonoma, Sebastopol, Bodega, Occidental, Jenner, Guerneville,
Forestville, Hopland, Ukiah, Redwood Valley, Fort Bragg, Mendocino,
Laytonville, Willits, Potter Valley, Covelo, Lakeport, Clearlake,
Kelseyville, Nice, Hidden Valley Lake, Upper Lake, Middletown, Cobb and
Lower Lake, Napa.
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