Free Consultation Debt Lawyer Near Me

Free Consultation Debt Lawyer Near Me – In today’s world, debt is an important part of consumers’ lifestyles. Debt is what protects us from buying homes, cars, businesses, and sometimes even the basic necessities of life. However, life is unpredictable and therefore, we may face difficult times. We might lose a job, face medical issues, or have some unexpected expenses arise, and before we know it, your debt can pile up and make it difficult for you to get out of it. We know financial problems are common and can make life difficult. However, there are solutions. If you are interested in learning about your legal and financial options, contact us today.

Bankruptcy is a scary word, and when considering bankruptcy, it can be one of the hardest decisions an individual will face. Additionally, this can be an intimidating process. After filing for bankruptcy, debtors may face some short-term consequences, not to mention the emotional toll it can take on the individual and their family. However, the fundamental purpose of bankruptcy is to give the debtor a “fresh start.” The Supreme Court stated the purpose of bankruptcy law in a 1934 decision, stating:

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[I] will not give to an honest but unfortunate debtor. . . New opportunities in life and clear areas for future endeavours, unstressed and encumbered by previous debts.

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, 292 United States 234, 244 (1934). Bankruptcy is a vehicle for debtors to obtain partial financial relief. As the economy has its ups and downs, bankruptcy has become a more common solution.

The first step when facing financial problems is understanding the bankruptcy process. Therefore, one should seek the advice of competent legal counsel. Attorney Pauldeep Bains is dedicated to helping individuals and families facing financial hardship, with a primary focus on Chapter 7 and Chapter 13 bankruptcy cases. Mr. Baines provides in-person and telephone consultations to accommodate all types of clients and their busy schedules. A free one-hour consultation is designed for you to discuss your personal financial situation with Sacramento bankruptcy attorney Pauldeep Bains and determine whether bankruptcy is right for you. Mr. Baines is here to listen, help, and educate you about your legal options.

At the Sacramento Bankruptcy Law Firm, in order to provide you with the highest quality service, you will always meet directly with Mr. Baines for your consultation. Mr. Baines is here to make that first step, and every step along the way, as easy and stress-free as possible. Whether you are drowning in credit card debt or facing home foreclosure, Mr. Baines provides experienced counseling and is prepared to work with you to assess your financial situation and develop a creative plan to help you escape. financial difficulties faced.

Attorney Pauldeep Bains has worked with more than 1, 000 people in Sacramento, Roseville, and the surrounding areas to evaluate Chapter 7 and Chapter 13 bankruptcy options. Mr. Baines has filed hundreds of bankruptcy cases and his results are outstanding. If you need to file a Chapter 7 bankruptcy case because a credit card company has threatened or has filed a lawsuit against you, attempted to levy your bank account, or garnished your wages, Mr. Baines will be able to quickly and efficiently evaluate your bankruptcy situation. and advance your case without wasting any time. Or, if you need to file a Chapter 13 bankruptcy case to prevent foreclosure on your home, Mr. Baines will be ready to start working on your case immediately and develop a Chapter 13 bankruptcy plan based on your needs. If you are looking for a bankruptcy attorney who is knowledgeable, experienced, and most importantly, reliable, click here to schedule a consultation appointment today!

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Once a client retains Sacramento bankruptcy attorney Pauldeep Bains, they will receive a detailed questionnaire package that includes a list of financial documents to collect. These financial documents are critical in preparing a bankruptcy filing. Once you have gathered everything and completed the questionnaire packet, the next step is to schedule a follow-up appointment (i.e., a document review appointment) with Mr. Baines so that you and Mr. Baines can review your financial documents. Mr. Baines will use the information received during this appointment and prepare your personalized petition.

As part of the application, the debtor must list its assets and liabilities as well as various other financial information. These requirements are intended to provide adequate information to the debtor’s creditors and to promote a fair and efficient distribution of the debtor’s income or assets, depending on the type of bankruptcy you file for. The most common bankruptcy cases and the types of cases we handle at Sacramento Bankruptcy Lawyer are Chapter 7 (liquidation proceedings) and Chapter 13 (debt adjustment for individuals with stable income). Each type of bankruptcy proceeding provides different eligibility requirements. Depending on your personal situation, you may be eligible to file for bankruptcy under multiple chapters. Therefore, Mr. Baines will help you evaluate which chapter will be most beneficial based on your specific financial situation.

If you would like to learn more about the differences between Chapter 7 and Chapter 13 bankruptcy, click here!

Once you file with the U.S. Bankruptcy Court, a meeting of creditors, also known as a “341 hearing” (required by Section 341 of the Bankruptcy Code), is held. This meeting is where you meet with the trustee assigned to your case. Creditors were welcome to attend this meeting; however, few showed up. The role of a trustee is to administer the bankruptcy estate – essentially, the trustee’s main job is to ensure that your creditors get the most they can, subject to the specific provisions of bankruptcy law. Therefore, the purpose of this meeting is to ensure that all the information listed in the petition is an accurate record of your property and income. For this meeting, you will need to bring a photo ID and Social Security card. Mr. Baines regularly attends these hearings and will ensure that you are well prepared for them. In preparation for your 341 hearing, Mr. Baines will review your application with you and discuss with you some of the anticipated questions the Trustee may ask you. So when the hearing came, Mr. Baines’ client was well prepared. Mr. Baines will do his best to ensure that this hearing goes as smoothly as possible.

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Depending on the type of bankruptcy case you file, this may be the only hearing you need to attend. If you are applying for Title 7 relief, this may be the only hearing you attend. If you are filing for Chapter 13 relief, your reorganization plan now needs to be confirmed by a judge. The main goal or end result of a bankruptcy case is to obtain immunity. Chapter 7 will provide for discharge approximately 100 days after you file your case, and Chapter 13 will provide for your reorganization plan after you complete it. This discharge states that you are no longer legally required to pay the specific debts listed in the bankruptcy case, and these creditors cannot take any further action against you to try to collect those debts.

No matter which path you take, speaking with Attorney Pauldeep Bains is the first step. Please call our office at 916-800-7690 to schedule your consultation! Or, click here to schedule your consultation!

After contacting a Sacramento bankruptcy attorney, you will immediately schedule a free initial consultation with Mr. Baines. Mr. Baines will answer any questions you may have. To accommodate your schedule, the initial consultation can be conducted in person or over the phone.

Once you retain our office, you will be responsible for completing our easy-to-understand bankruptcy package. This will help our office prepare your bankruptcy petition for court.

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A follow-up meeting with Mr Baines will be arranged once the insolvency package is completed. At this meeting, Mr. Baines will review the completed bankruptcy packet with you to ensure its completeness.

Mr. Baines will now use his expertise to personally prepare your bankruptcy petition. This will include the voluntary application, schedules, financial statements, and your Chapter 13 plan (if under Chapter 13).

Mr. Baines will now review the first draft of the bankruptcy petition with you. Mr. Baines will ensure that you understand the contents of the entire petition before proceeding. Any modifications and/or edits will be made at this time.

The final draft of the petition will be ready for your signature. You and Mr. Baines will sign the final draft at this time.

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Once the final draft is signed, we will now file your case electronically with the Bankruptcy Court and provide you with a case number.

After you file your case, you will be required to provide certain documents to your designated bankruptcy trustee pursuant to 11 U.S.C. § 521. Our office will collect these documents

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