Law Office Of Paul Bartleson

The Law Offices of Paul R. Bartleson specializes in Chapter 7 Bankruptcy, Chapter 11 and Chapter 13 Bankruptcy and debt reorganization. If you are considering filing Bankruptcy, you are not alone. Over the last year, Chapter 7 bankruptcy filings in the Eastern District of California increased over 100%. Most consumers or small businesses need a fresh start and seek to discharge their debts in a Chapter 7 Bankruptcy, or to reorganize and repay some or all of their debts in a Chapter 11 Reorganization , if you are are large business, or if you a consumer or small business and need to repay a mortgage, car loans, or taxes over time, in a Wage Earner or Consumer Bankruptcy" or, in a "small business" bankruptcy filing. At the Law Offices of Paul R. Bartleson, we are here to be your personal guide through the Bankruptcy Court and restore your financial peace of mind. The decision to file bankruptcy is not an easy one. Some of the chief causes of Bankruptcy are:

Foreclosure;
Loss of income from lay offs, downsizing, rightsizing, changes in industry;
Out of control credit card debt;
Uninsured medical bills;
Divorce;
High cost of Gas;
High cost of Food; and
Life happens.
Bankruptcy is not a moral or character judgment. It is only an event in your financial life or a realistic evaluation of of circumstances. Unlike what you hear on the mainstream media, most people do not use the Bankruptcy Court as a financial planning vehicle. You struggle with feelings of guilt, shame, embarrassment. anger, depression, frustration and fear over an uncertain future. Many delay and wait to file too long after they should and end up throwing good money after bad by draining money from retirement accounts or savings before filing. Most resist the idea taking action.At the same time, Bankruptcy is not the solution to all your problems. But financial problems are like cancer, nobody thinks you're going to get it, but once you're there, its best to take proactive steps to deal with it.

The filing of any Bankruptcy puts an immediate stop to

Foreclosures
Wage garnishments
Tax and Bank levies
Repossessions
Law suits
Evictions
Annoying phone calls and harassment from abusive debt collectors; and
Sleepless nights and stress filled days.
In short, filing bankruptcy gives you peace of mind by eliminating any attempt to collect on a debt. Despite what you may have heard, most people still qualify for Chapter 7 Bankruptcy Relief. There are additional documentation requirements prior to filing and a new "Means Test" but the vast majority of cases remain unchanged.

If you are facing foreclosure, you may have other options short of filing bankruptcy. We will do a thorough examination and evaluation of your case to see if you have Alternatives to Filing Bankruptcy. Even though we specialize in bankruptcy law, our goal is to give you the best financial advice possible. If we can, we'll try and find a way to help you avoid Bankruptcy. With changes in the law and new State and Federal programs, you may avoid bankruptcy altogether by doing a loan modification or even a global debt settlement. We can also do a forensic audit of your loan, and if we find any violations of the Truth in Lending Act or RESPA, you may be able to rescind your loan and or sue your lender for damages.

Our Law Firm shows you how to keep your stuff, by claiming the appropriate exemptions, get rid of your debts, and what you can do after you file to rebuild your credit and your life. At the Law Offices of Paul R. Bartleson, you will get personal attention from an attorney throughout your case, so that you will understand the process and how it works in order to know what it takes to successfully complete your Bankruptcy and feel comfortable doing it. We also clear up any misconceptions you may have by debunking bankruptcy myths.

Lawyers

Paul Bartleson

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Location : Sacramento, CA

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