Debt Attorney Free Consultation Near Me – In today’s world, debt is a big part of consumer lifestyle. Loan is the medium by which we secure the purchase of our homes, cars, business and sometimes even the basic necessities of life. However, life is unpredictable and as a result, we may face difficult times. We could lose a job, face medical problems, or have some unexpected expense, and before we know it your debt could pile up and leave you struggling to get out of it. We understand that financial problems are common and can make life difficult. However, there are solutions. If you are interested in understanding your legal and financial options, please contact us today.
Bankruptcy is a scary word and when considering bankruptcy, it can be one of the most difficult decisions a person faces. Plus, it can be an intimidating process. As a result of filing for bankruptcy, a debtor may face some short-term consequences, not to mention the emotional impact it can have on the individual and their family. However, the basic goal of bankruptcy is to give debtors a “fresh start.” The Supreme Court addressed the purpose of bankruptcy law in a 1934 decision, saying:
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[I] do not give to the honest but unfortunate debtor. , , A new opportunity in life and a clear field for future endeavours, free from the pressure of debt and despair that already exists.
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, 292 U.S. 234, 244 (1934). Bankruptcy is a tool for debtors to obtain some financial relief. As the economy continues to fluctuate, bankruptcy has become a more common solution.
The first step when facing financial problems is to educate yourself about the bankruptcy process. In such a situation, one should seek the advice of competent legal counsel. Attorney Pauldeep Bains is dedicated to helping individuals and families facing financial difficulties and focuses primarily on Chapter 7 and Chapter 13 bankruptcy cases. Mr. Bains offers both in-person and phone consultations to accommodate all types of clients and their busy schedules. A free one-hour consultation is for you to discuss your personal financial situation with Sacramento bankruptcy attorney Pauldeep Bains and determine if bankruptcy is an appropriate option for you. Mr. Bains is here to listen, help, and educate you about your legal options.
Here at Sacramento Bankruptcy Lawyer, to provide you with the highest quality service, you will always meet directly with Mr. Bains for a consultation. Mr. Bains is here to make that initial step and every step of the way as easy and stress-free as possible. Whether you are drowning in credit card debt or facing foreclosure on your home, Mr. Bains will provide experienced counseling and work with you to evaluate your finances and get you out of the financial struggle you are facing. Are ready to establish a creative plan for.
Attorney Pauldeep Bains has evaluated Chapter 7 and Chapter 13 bankruptcy options with over 1,000 people here in Sacramento, Roseville and the surrounding areas. Mr. Bains has filed hundreds of bankruptcy cases and his results are extraordinary. If you need to file a Chapter 7 bankruptcy case because a credit card company is threatening you or has filed a lawsuit against you, is attempting to charge off your bank account or garnish your wages, Mr. Bains Will be able to evaluate you quickly and efficiently. Know the situation and pursue your case without wasting any time. Or if you need to file a Chapter 13 bankruptcy case to prevent your home from being seized, Mr. Bains is available to begin working on your case immediately and craft a Chapter 13 plan to meet your needs. Will be ready. If you are looking for a knowledgeable, experienced, and most importantly, trustworthy bankruptcy attorney, click here to set up a consultation appointment today!
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Once a client hires Sacramento bankruptcy attorney Pauldeep Bains, they will be provided with a detailed questionnaire packet that will include a list of financial documents to gather. These financial documents are important in preparing for your bankruptcy petition. Once you have gathered everything and completed the questionnaire packet, the next step is to schedule a follow-up appointment (i.e. document review appointment) with Mr. Bains to review your financial documents for both you and Mr. Bains. Is. Mr. Bains will take the information obtained during this appointment and prepare your individual petition.
As part of the petition, the debtor is required to list his or her assets and liabilities, among various other financial information. These requirements are intended to provide adequate information to the debtor’s creditors and to facilitate a fair and efficient distribution of the debtor’s income or assets depending on the type of bankruptcy you claim. The most common bankruptcy cases filed and the types of cases we handle at Sacramento Bankruptcy Lawyers are Chapter 7 (Liquidation Proceedings) and Chapter 13 (Settlement of Debts of a Fixed Income Individual). Each type of bankruptcy proceeding provides a different set of eligibility requirements. Depending on your individual situation, you may be eligible to file bankruptcy under more than one chapter. Thus, Mr. Bains will help you evaluate which chapter will be most beneficial in view of your particular financial situation.
If you would like to read more about the differences between Chapter 7 and Chapter 13 bankruptcy proceedings, please click here!
Once your petition is filed with the United States Bankruptcy Court, a meeting of creditors takes place, also called a “341 hearing” (required by Section 341 of the Bankruptcy Code). This meeting is where you meet the trustee appointed to your case. Creditors are welcome to attend this meeting; However, hardly any are visible. The role of the trustee is to manage the bankruptcy estate – in short, the trustee’s main job is to make sure that your creditors get paid as much as possible according to the specifications of the bankruptcy code. Thus, the purpose of this meeting is to ensure that all the information listed in the petition is an accurate accounting of your assets and income. To this meeting, you will need to bring your photo ID and Social Security card with you. Mr Bains regularly attends these hearings and will ensure that you are fully prepared. In preparation for the 341 hearing, Mr. Bains will review your petition with you and discuss with you some anticipated questions the Trustee may potentially ask you. Therefore, when your hearing comes, Mr. Bains’s clients are more than prepared. Mr. Bains will do his best to make sure this hearing goes as smoothly as possible for you.
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Depending on the type of bankruptcy case you file, this may be the only hearing you are required to attend. If you are applying for Chapter 7 relief, this will probably be the only hearing you attend. If you are applying for Chapter 13 relief, your reorganization plan must now be confirmed by the judge. The main goal, or end result, of a bankruptcy case is to achieve discharge. Chapter 7 will grant you discharge approximately 100 days after you file your case and Chapter 13 will grant you leave after you complete your reorganization plan. A discharge provides that you are no longer legally required to pay the specific debts listed in your bankruptcy case and that creditors cannot take any further action against you in an attempt to collect those debts.
No matter which route you take, talking to attorney Pauldeep Bains is the first step. Please call our office at 916-800-7690 to schedule your consultation! Alternatively, click here to schedule your consultation!
By contacting a Sacramento bankruptcy attorney, you will be immediately scheduled for a free initial consultation with Mr. Bains. Mr. Bains will answer any and all questions you may have. To accommodate your schedule, the initial consultation can be done in person or over the phone.
Once you retain our office, you will be tasked with completing our simple and easy-to-follow bankruptcy packet. This will help our office prepare your bankruptcy petition for filing with the court.
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Upon completion of the bankruptcy packet, a follow-up meeting with Mr. Bains will be scheduled. At this meeting, Mr. Bains will review the completed bankruptcy packet with you to ensure its completeness.
Mr. Bains will now use his expertise to personally prepare your bankruptcy petition. This will include the voluntary petition, schedules, details of financial matters, and if filing for Chapter 13, your Chapter 13 plan.
Mr. Bains will now review a preliminary draft of your bankruptcy petition with you. Mr. Bains will ensure that you understand the contents of the entire petition before proceeding. Any amendments and/or edits will be made at this time.
A final draft of the petition will be prepared for your signature. Both you and Mr. Bains will sign the final draft at this time.
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Once the final draft is signed, we will now electronically file your case with the bankruptcy court and assign you a case number.
Upon filing your case, you must comply with 11 U.S.C. You will need to provide certain documents to your designated bankruptcy trustee as per the. § 521. Our office will collect those documents
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