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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 you should call now. There is no cost for the consultation to see if bankruptcy is your best solution.

If it is better for your situation to negotiate with your creditors, we can help you with that too. We have helped settle disputes over debt both through negotiations and bankruptcy.

In your initial appointment I will discuss your options for Bankruptcy. We will review the “Means Test” and determine if you qualify for a Chapter 7 or Chapter 13. We will also review the length of your Chapter 13 plan. We will discuss what the Exemptions are and how they apply to your specific situation. Finally we will discuss the cost to you and the options available to pay for the Sacramento Bankruptcy.

A Chapter 7 Bankruptcy is a liquidation of your non-exempt assets. You may say “Wow that sounds like I will lose some of my belongings” but it is not as bad as it sounds. In most cases you lose nothing, you may surrender your car or house if it is best for you, but most people lose nothing that they wanted to keep.

A Chapter 13 Bankruptcy is a repayment plan. In a Chapter 13 you can still get rid of your unsecured debt (including Credit Card Debt). In some cases nothing is paid to the Credit Card Debt companies. There are many benefits to Chapter 13 that will be discussed in your fee appointment.

Will Bankruptcy make it impossible to get a loan for 7 years? This is a very common question and the answer is NO. There are companies that will lend money to Bankruptcy Debtors the day after they file for bankruptcy. The recovery time to buy a house with a mortgage is less than the time for a Foreclosure. Likewise, the recovery time for purchasing an automobile is much shorter after Bankruptcy than a Repossession. If you are facing a Repossession or a Foreclosure then you should consult with an Attorney.

8830 Elk Grove Blvd.
Elk Grove, CA 95624

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