Vallejo Bankruptcy Lawyer
Helping Clients In the Bay Area & North Bay Area With Their Debt Relief Needs
At Compass Bankruptcy Law Group, we proudly represent individuals and businesses in Vallejo seeking debt relief by filing for bankruptcy. Our firm’s founding attorney, Reno Fernandez, is certified as a bankruptcy law specialist. He is an empathetic attorney with the skills and know-how to carefully guide you and fight for your rights and interests.
Are you struggling with debts that continue to grow and put pressure on you, your family, or your business? Have you grown tired of debt collection calls? We have assisted numerous clients navigating bankruptcy and many others in pursuing creditor harassment claims. Not only do we make relief possible, but partnering with us is affordable. We offer $0 down services and can set up payment plans.
If you want to partner with our Vallejo bankruptcy lawyer, reach out today. Consultations at our firm are free and can be arranged virtually or in person at our Benicia office. Our location—just a short drive down I-780—makes us a convenient choice for those in Vallejo and the nearby parts of the North Bay Area.
Call (888) 850-0624 or reach out online to request your free consultation.
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Compassionate SupportWe understand the emotional toll of financial difficulties and are dedicated to providing compassionate, empathetic support throughout your bankruptcy journey
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Proven Track RecordOur attorney's experience includes cases presented before the Supreme Court, highlighting our capability to handle complex and high-stakes legal matters.
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Board Certified RepresentationOur attorney is a board-certified specialist, ensuring you receive top-tier legal representation.
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Offering 100% Free ConsultsWe offer free consultations to ensure you get experienced advice without any financial burden upfront.
What to Know About Bankruptcy
Bankruptcy is a legal process designed to give individuals and businesses a fresh financial start by eliminating or lessening debt. The most common types of bankruptcy are Chapter 7, Chapter 11, and Chapter 13.
Below is further information about these three bankruptcy types:
Chapter 7
This bankruptcy option is generally available if your income is below the California mean for households of similar size. It allows you to completely discharge qualifying debt and keep certain exempt assets.
Chapter 11
Most often a choice for businesses, this type of bankruptcy can let you restructure debts and develop a manageable repayment plan, all while keeping your business operations going.
Chapter 13
Through this type of bankruptcy, you can lessen the amount of debt you owe by creating a repayment plan suited to your income and expenses. Filing for Chapter 13 bankruptcy can also protect many assets from liquidation.
The Automatic Stay
Regardless of the type of bankruptcy, an automatic stay goes into effect once you file. This stops creditors from seeking collection and halts foreclosure and repossession. The automatic stay is a valuable immediate benefit of filing for bankruptcy.
Credit Counseling & Debtor Education
California requires you to complete credit counseling and debtor education courses as part of filing for bankruptcy. Credit counseling must be completed before filing, while debtor education is a post-filing requirement. These courses are meant to offer information about what bankruptcy entails and how to better manage finances, among other things.
Why Turn to a Bankruptcy Lawyer?
Filing for bankruptcy and navigating the associated processes is difficult, especially for those without legal experience who must simultaneously manage work and other day-to-day tasks. Partnering with a legal professional like our Vallejo bankruptcy lawyer can help you protect your rights and meet the challenges of securing debt relief.
Attorney Fernandez can work to shield your assets and rectify any type of creditor harassment. Should you need to attend a court hearing or another formal proceeding, our attorney can also negotiate on your behalf and advocate for you. From start to finish, you can count on Attorney Fernandez to be your guide.
Find out more about your legal options and what our attorney can do for you specifically. Request a free consultation by calling (888) 850-0624 or reaching out online.
