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Six Years After Bust

Six Years After Bust

“Six years after bust, many have paid more into homes than they’re worth” This headline from October 16, 2011 from the Sacramento Bee article, by Phillip Reese, makes it is clear that many current home buyers have already paid more to their lenders than their home is currently worth. The article assumes there was a [...]

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Trustee May Sell Your Home After Your Discharge

The Ninth Circuit Court rules that a Trustee may sell a Debtor’s home if the value increases above the exempt amount before the bankruptcy case closes. At the time the Debtors filed bankruptcy, the combination of the exemptions and the encumbrances (mortgages) on their homes left no equity for the Trustee to distribute to the [...]

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Free Credit Report

Obtaining A Free Credit Report

Once per year every person is entitled to receive a free copy of their credit reports from all three of the credit reporting agencies.  The free credit report is available through the web site www.annualcreditreport.com.  This is the official web site set up to provide the free credit reports by the Federal Trade Commission, www.FTC.gov.  [...]

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Chapter 13 Bankruptcy Sacramento

File For A Chapter 13 Bankruptcy Sacramento With Only $500 Up Front

Your Sacramento Bankruptcy Attorney is introducing a special to assist people who need help filing Chapter 13 bankruptcy in Sacramento but cannot come up with a large payment to get started.  For persons that qualify for this program a Sacramento Chapter 13 bankruptcy can be filed with as little as $500.oo up front, the balance [...]

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Sacramento Bankruptcy

Sacramento Bankruptcy Means Test

The Sacramento Bankruptcy Means Test is used to determine if you may file Chapter 7.  If you do not qualify to file Chapter 7 then you may be eligible to file a Chapter 13.  The first step of the test is to compare your gross income for the six full months prior to the month [...]

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Chapter 7 Bankruptcy

What Is Chapter 7 Bankruptcy?

Chapter 7 Bankruptcy is a liquidation of the Debtor’s assets. When a Debtor files a Chapter 7 Bankruptcy, the Debtor must list all of the Debtor’s assets and liabilities. The Debtor chooses how to apply the exemptions to the Debtor’s property. If the Debtor has more assets than the exemptions will allow the Debtor to [...]

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Chapter 13 Bankruptcy

What Is Chapter 13 Bankruptcy?

A Chapter 13 Bankruptcy is an adjustment of debts of an individual (including married couples) with regular income.  Chapter 13 allows a debtor to keep property and pay debts over time, usually three to five years.  A chapter 13 bankruptcy is also called a wage earner’s plan. The Debtor proposes a repayment plan, or Chapter [...]

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Sacramento Bankruptcy Attorney

Sacramento Bankruptcy Attorney

The Law Office of Peter Cianchetta is your Sacramento Bankruptcy Attorney. If you need to file Chapter 7 or Chapter 13 call now for your free appointment. You may not want to file bankruptcy, but have no choice. If you have been sued, have a wage garnishment, or simply just cannot pay your bills, then [...]

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