The Best Bankruptcy Lawyer in Fresno

We offer FREE – NO OBLIGATION telephonic consultations with evening and weekend appointments available. We NEVER charged for telephone calls to the office to discuss YOUR case. We NEVER charge when we are contacting YOU to provide case updates or need information for YOUR representation. When most people think of bankruptcy, they are usually thinking of a Chapter 7 bankruptcy. Chapter 7 is the most common form of bankruptcy in the United States.

In a Chapter 7 bankruptcy, the individual is allowed to keep certain exempt property. Most liens, however (such as real estate mortgages and security interests for car loans), survive, unless you choose to surrender the property. The amount of property that can be claimed as exempt varies from state to state. Non-exempt assets, if any, are sold by the trustee to repay creditors. Many types of unsecured debt are legally discharged by the bankruptcy proceeding.

A Chapter 7 bankruptcy remains on an individual’s credit report for 10 years from the date of filing. This can make credit less available and terms less favorable, although high debt or delinquent debt can have the same effect. Future ability to obtain credit is dependent on multiple factors.

Chapter 7 bankruptcy is a good option for debtors who need a fresh start financially. Chapter 7 will stop wage garnishments, bank levies, and lawsuits filed by creditors. Many assets, such as bank accounts, vehicles, equity in your home, and jewelry are protected under Chapter 7 bankruptcy. Once your Chapter 7 bankruptcy is completed you can begin rebuilding your credit.

Personal bankruptcy provides debt relief. The system is there to help people who are in over their heads with debt get financial relief and a road back to financial stability. Whether you file for Chapter 7 or Chapter 13 bankruptcy, bankruptcy provides debt relief, and can help make your debt more manageable.

Contact us for a free consultation. Bankruptcy lawyer Timothy C. Springer helps people throughout Central California get debt relief. At our law firm, our goal is to help you get your head above water when you are drowning in debt. Different types of debt are handled differently under bankruptcy law, and there are differences between Chapter 7 and Chapter 13.

Chapter 7 bankruptcy provides debt relief by reducing or even eliminating your credit card debt, and late fees. Many people think Chapter 7 is not available anymore because of the changes to the bankruptcy law, but that simply is not true. Many people will still qualify to file Chapter 7 bankruptcy. Chapter 13 bankruptcy allows you to reorganize your debt so you can pay it off over a longer period of time.

It reduces or eliminates fines and late fees. Chapter 13 consumer bankruptcy makes your credit card debt more manageable as you work to pay it off. It is a sad fact that many people find themselves seriously in debt because of serious medical problems and mounting medical bills. Just like credit card debt, Chapter 7 bankruptcy provides debt relief to reduce and even eliminate medical debt that is too great for you to pay.

Chapter 13 bankruptcy allows you, if you have the ability, to pay your medical bills over a longer period of time. With the recent developments in home mortgage lending, many people who have adjustable rate mortgages (ARMs) and other so-called “sub-prime” home loans are finding themselves in trouble.

We know that dealing with financial burdens can take a huge toll on you and your family. Harassing phone calls, letters, and even emails from creditors might have made you afraid of answering the phone or checking your mail; this is no way to live! You deserve to go about your life without the constant fear of financial destruction. Most people considering bankruptcy will look at two options.

Chapter 7 or Chapter 13 of the Bankruptcy Code provide the most common paths to financial relief. Your unique financial situation, the property you own, your income, and the types of debt you have will be among the most important factors in making the right decision between the two chapters. When you come in for a free consultation, your financial picture will be carefully considered and a plan will be laid out step by step through discharge.

You’ll leave confident in the choice you’ve made and know exactly what to do next and when to do it. We take the guess work out of the process so you can start enjoying life again. Call now to set up your free consultation. Our exceptional bankruptcy services really are affordable. We offer flat rate fees for each type of bankruptcy and unique circumstance.

The flat rate fee quoted will take care of representation through discharge. You can be assured there will be no hidden costs or fees. Does it seem like there’s a form for you to fill out for just about everything in life? Not here. A friendly member of our team will assist you in gathering all the information we need to help you through the process of receiving bankruptcy relief.

Using the information we gather, a customized plan will be created to suit your unique circumstances. You’ll take away a blue print that describes the steps that will be taken to lead you through the entire process until discharge. It’s just one more way we give you peace of mind.

Our practice is built with a dynamic group of skilled people who care. We are a team of individuals who are familiar with the local court system, it’s practices and its judges. We are well known at the U. S. Federal Bankruptcy Court. Not only do we handle each of our client’s cases as “one of our own”.

We stay abreast of the current changes in the U. S. Bankruptcy Law. We educate our clients on the best practices to help you regain a good credit score. As a Bankruptcy Law Firm, we work hard to relieve you of the burden. We fight for you and your family. We are on your side, to STOP Creditor CALLS, STOP Wage Garnishments, STOP Law Suits, STOP Repossessions of your Vehicle, and STOP the “FINAL NOTICE! Just to name a few.

Our Attorney, Stephen Labiak is very much engaged in his practice. He will speak directly with you before you come into the office, yes that’s true, right over the phone. Stephen respects and understands that your time during this period of your life can be trying. This is why he also offers a FREE Bankruptcy Consultation. Our practice will also work with you by permitting you to put a $300.00 down payment to go towards your Bankruptcy case retainer fee.

The remainder of the retainer fee will be discussed directly with Stephen and he will work out a payment plan that best suits you. He is here to help along with his office staff. We at the Law Offices of Stephen Labiak appreciate you allowing us to help you get through this “season”. Remember Bankruptcy Law was created to help you deal with your Creditors.

Hemb Law Group is a Clovis law firm dedicated to providing comprehensive, client-focused legal services throughout the Fresno area. We pride ourselves on developing effective solutions to the most challenging legal matters. Unlike many law firms, we believe in providing clients with the personal attention and respect that they rightfully deserve.

We understand how important it is to respond to our clients when they contact us and to keep them well informed throughout the legal process. Since 2005, we have committed ourselves to providing quality legal services in Clovis in the areas of bankruptcy, family law, estate planning, and probate law. We understand the delicate nature of cases involving bankruptcy and family law issues.

When faced with such challenging issues, people may understandably be going through a host of problems and emotions. The last thing we want to do is to add more to the mix. Our legal team is professional, experienced, and aggressive when it comes to handling such matters, but we always treat our clients with the patience and respect they deserve.

We will do our best to handle your legal situation in a manner that not only produces the results you want to achieve but in a manner that prevents additional stress or frustration from affecting your life. We are fiercely compassionate.

Our highest priority is ensuring that our clients are listened to and feel heard and understood. Our law firm provides individual, personalized attention to each individual who walks through our doors. No client is ever ignored or left in the dark about a case.

Practice Areas:

• Bankruptcy Law
• Family Law
• Probate
• Wills & Trusts

Harris Law Firm’s experience in aiding clients in a wide variety of industries and situations suits us to approach the complex legal issues in today’s world. While considered an expert in their main areas of practice, HLF prides itself on being able to help clients with the legal situations they face.

PRACTICE AREAS:

• Business Litigation
  HLF’s business litigation practices focuses on business, real estate, corporate, partnership, labor and employment disputes. HLF is also experienced in handling professional liability and personal injury matters. HLF also represents clients in related transactional matters.
• Bankruptcy & Restructuring
  HLF’s bankruptcy and restructuring practice involves the representation of debtors, creditors, trustees, committees and private equity, primarily in chapter 7 and 11 matters. This practice also involves informal workouts, restructuring, assignments for benefit of creditors and receiverships. Mr. Harris has also been retained as an expert and testified in bankruptcy matters.
• Family Law
  HLF represents clients in all aspects of family law matters including divorce (dissolution), child custody and visitation, child support, paternity, and property and debt divisions. Mr. Harris has found his extensive litigation and bankruptcy experience to be particularly helpful in resolving these matters.
• Civil Rights Litigation
  HLF selectively represents inmates in civil rights matters related to personal injuries suffered during their incarceration at prisons located in the State of California.

Are you currently drowning in debt? If so, we strongly advise you to retain the immediate representation of our Fresno bankruptcy attorneys. When you choose Fear Waddell, P.C., you can rest assured you will receive the personalized financial solutions and supportive assistance you need. We have successfully handled more than a thousand bankruptcy cases and are fully equipped to handle your case next.

The moment you walk through our doors, we can address each of your concerns and build an effective plan of action on your behalf. No matter the specifics of your debt relief strategy, education is an integral element of our legal services.

We can take the time to answer all your questions and dispel common myths about bankruptcy. Our goal is to empower you with knowledge and resources so that, when we finish your case, you can continue your journey with a deeper insight into finance and a greater ability to navigate future obstacles.

We understand that you are likely feeling a great deal of pressure under such a staggering amount of debt. As such, we employ both empathetic support and meticulous strategies to help you obtain debt relief and begin your path toward a brighter financial future.

In general, bankruptcy is a method of either discharging or restructuring debt. While the goal for every filer is to alleviate financial strain and obtain a fresh start, the exact strategy we use to accomplish this goal differs depending on your unique situation.

In personal bankruptcy, for example, you will choose between Chapter 7 (liquidation) and Chapter 13 (restructuring). We can help you assess your situation, develop achievable goals, and decide between these two chapters accordingly.

Attorney John Gist has protected consumers and their families using the power of bankruptcy for more than 13 years. He is most dedicated to preserving his clients’ dignity while protecting their hard-earned wages and other property from creditors. Filing for bankruptcy is a very important and intensely personal decision. It is his honor to educate his clients about their options in a helpful, low-pressure manner.

John provides a generous one-hour free consultation to be sure his clients are aware of all options and costs. John Gist is a very experienced and respected local attorney, who is committed to providing each of his clients with the legal advice necessary to help them understand the options available, and to take full advantage of the protections provided by law.

Filing for bankruptcy protection can be complicated and emotional. Important decisions lie in front of the consumer or small businessperson considering bankruptcy, such as whether to file for Chapter 7 or Chapter 13; which exemptions to choose to ensure your home, car, and other belongings are protected in the bankruptcy process; plus many other issues that can make it very difficult, even dangerous to properly prepare your case.

The most important decision you can make is to choose a competent, compassionate attorney to identify critical issues in your case in advance, to work with you to legally deal with problems before your case is ever filed. You don’t want to hire an attorney from Los Angeles or the Bay Area, whom you will never meet face to face.

Such attorneys send inexperienced lawyers who are unfamiliar with your case to represent you. They have to call out your name to find you in the courtroom. John Gist will know you very well, and will recognize you, and you will find his familiar face a welcome sight in court! He will be with you from start to finish.

The Law Offices of Eric P. Escamilla has helped numerous clients with overwhelming debt problems. The Law Offices of Eric P. Escamilla prides itself in making sure your bankruptcy case goes smoothly and that you receive your discharge of debts as quickly as possible.

Experienced as bankruptcy and debt relief lawyers practicing in Fresno, California, the Law Offices of Eric P. Escamilla is frequently called upon by Central Valley residents to handle all types of debt problems such as stopping wage garnishments, stopping current and pending lawsuits, and stopping home foreclosures and other complex financial problems. Are you drowning in debt? Can’t make your monthly payments?

Bankruptcy is still one of the most effective debt relief options available to consumers, but you need to contact an experienced bankruptcy lawyer in Fresno, California and the surrounding areas. The great news is that most of our clients keep all their current vehicles, homes and other property. It’s time to start living without overwhelming debt again!

Practice Areas:

• Chapter 7 Bankruptcy
  Many hard-working people run into financial difficulty through sometimes no fault of their own. A layoff, a divorce, or major medical problem can push you and your loved ones to your financial limit. But you do not have to suffer any financial hardship. With a Chapter 7 personal bankruptcy filing, you can get debt relief, disposable income, & stop the threat of foreclosure or repossession.
• Chapter 13 Bankruptcy
  Despite what you may have heard or think, the bankruptcy process is still available for those people who need to find their way out of debt. If you are a wage earner with a regular income, you can eliminate some of your debts and reduce others by filing for Chapter 13 bankruptcy. You can pay back taxes, back child support and alimony, and a small amount on your remaining debt each month, without interest or penalties.

Although we are located in Fresno, many of our specialty practices are statewide. Our primary focus is on serving private businesses, their owners and executives. We are known for our expertise in a variety of industries such as agriculture, food processing and manufacturing, and in disciplines from water law to complex tax and business planning. We pride ourselves on our commitment to quality and integrity.

The history of Baker Manock & Jensen is an integral part of California judicial history from the turn of the 20th Century until now. Our family tree began when two men established practices in California: Henry E. Barbour, a New Yorker, and William A. Sutherland, a San Franciscan.

Mr. Barbour had a private practice, and Mr. Sutherland worked as an assistant district attorney in Fresno County. In 1906 the two men formed a partnership that lasted for seven years. The two branches split in 1914 and remained separate until they again merged in l955.

In those early years, the Messrs. Barbour and Sutherland became the two main branches of our family tree. Henry E. Barbour, a prominent Fresno lawyer, may be most remembered for his seven terms in the U.S. Congress. In those days, the job of congressmen was part-time and Mr. Barbour maintained his law practice.

Our primary focus is on serving private businesses, their owners and executives. We are known for our expertise in a variety of industries such as agriculture, food processing and manufacturing, and in disciplines from water law to complex tax and business planning. We pride ourselves on our commitment to quality and integrity.