Bilingual representation of bankruptcies in and around Orange, Riverside and Los Angeles counties
Deciding to file for bankruptcy is a difficult decision, but in most cases, it's the best option. To make sure you have all the important information you need to make an informed decision, you should consult with a highly experienced attorney. That's the service that Barrios & Machado provides to its thousands of clients in Orange, Riverside and Los Angeles counties. Our firm provides you with the highest level of personal service and legal competence. Barrios & Machado will assess your situation and financial needs, provide you with the guidance you need to decide how best to handle it and represent you from start to finish of your bankruptcy case.
Filing for bankruptcy can stop credit harassment, wage garnishments, lawsuits, recovery, and foreclosure. Once your bankruptcy petition is filed, the stress and anxiety of trying to make ends meet in a state of increasing insolvency will end. Your sleepless nights will end; you'll get the emotional and economic relief you need.
Many people mistakenly believe that a bankruptcy filing will ruin their credit forever or be a stain on their character. Nothing further from the truth. You can successfully rebuild your credit after a bankruptcy with good financial planning. Millions of Americans have resorted to bankruptcy as the best solution to financial hardship, especially from the last recession to the present day when, again, many people find themselves in economic difficulty. The vast majority going bankrupt enjoy an increase in their credit score in just 12 months after filing their petition.
To learn more about the various aspects of bankruptcy and how our firm can help you, call or text us at 714-515-9696.
Chapter 7 vs. Chapter 13
A Chapter 7 bankruptcy is the easiest and fastest way to eliminate debt. This type of filing can eliminate all your unsecured debts, such as credit card bills, personal loans, repossessions, foreclosures, wage garnishments or medical bills. A Chapter 13 bankruptcy is a debt reorganization, which allows you, through your best efforts, to reimburse your creditors through the courts for a maximum period of 5 years.
The bankruptcy process involves working with us to gather all the information necessary to file your petition, to attend a meeting of creditors in order to confirm the information you filed towards the ultimate goal of receiving a discharge of your debts.
Harassment by creditors and collection agencies can cause a variety of stress. Fortunately, you are protected by federal and California laws from abusive or misleading collection practices. Find out how you can end creditor harassment through bankruptcy.
Check with Barrios & Machado
If you have financial problems due to job loss, reduced wage, divorce, illness, injury, loss of income from investments or financial errors, get the help you need to restore your future and peace of mind. Our firm is ready to help you.
Call or text us at 714-515-9696 today.