We are among the best commercial litigators, business reorganizers, claim enforcers and advanced estate planners in the state of California. We work exclusively with businesses and people in business. We keep businesses open, we help creditors recover money, we defend assets from attack, we protect fiduciaries and we solve thorny legal problems.

Our main areas of expertise are Reorganization and Bankruptcy, Business Formation and Administration, Advanced Estate Planning, Probate, Trust Administration and Commercial Litigation. We handle matters in both federal and state court, including appeals, throughout California and pro hac vice in Delaware and New York. We also handle international matters that touch upon assets, parties or documents located in the United States.

We apply our extraordinary skill and experience to solve legal problems. We use project-management techniques to increase both efficiency and quality. We use secure HIPAA-certified technology to keep your confidential information safe. We are leaders in our professional and community groups. We are courteous, practical and insightful.

Practice Areas:

• CHAPTER 11 BANKRUPTCY
  We guide California businesses through the Chapter 11 process to reorganize and improve operations, reform troubled assets, assume and assign or reject leases and contracts, undo certain transactions, recover from third parties and eliminate burdensome claims, all to maximize value and minimize liabilities.
• CHAPTER 7 BANKRUPTCY
  An entrepreneur needs to be free to move to the next project with a minimum of interference. A Chapter 7 bankruptcy can be the best way to accomplish this goal. It allows business leaders to terminate a business and move forward because an independent trustee does the work of liquidation and is paid from the proceeds.

Our clients are hard working individuals who may only be able to seek help during the weekends and evenings that is why we make it easy for you to meet with us. Call today to schedule an appointment that is convenient for you. We have flexible payment plans designed to make it easy for you to obtain the legal representation we know you need. With a small deposit you can obtain instant same-day protection with your Attorney. Call today to start your road to financial recovery.

If your answer is yes, then do something about it, you have legal rights including obtaining a fresh financial start under bankruptcy law. It’s your right under the law. Know your legal rights and have all your questions answered to see how the Bankruptcy Laws can work for you. The consultation is confidential, private and protected by the Attorney-Client Privilege. We make it easy for you to understand the laws and to get the relief you need.

Also Legal Representation In:

• Business Law
  Full Service For Small Business Owners
• Immigration Law
  Families, Individuals, Appeals

The framers of the current Bankruptcy Law (BAPCPA 2005) intended it to be burdensome, complex and daunting! As a consequence, many Americans have been deterred from seeking Bankruptcy relief! The Law Offices of Patrick J. McNamara endeavor to explain the challenging new Bankruptcy Law in a friendly, non-judgmental fashion and are helping our clients to Fight Back and obtain the Bankruptcy relief they want and need!

We will counsel you and help you decide if the discharge of your debts via a straight Bankruptcy, Chapter 7, which can in some cases involve a liquidation of personal or corporate assets, or a court approved debt adjustment plan in Chapter 13, involving the repayment of creditors over time, is the vehicle that will give you the financial relief that you need.

We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code. Good people get into bad financial situations everyday through no fault of their own. They lose their jobs, can’t find comparable new employment, medical bills become overwhelming, and so on. There are many reasons why people find themselves in deep financial trouble.

With over 37 years Bankruptcy Law experience, Patrick is prepared to advise you as to whether your situation might call for you to file a Chapter 7 straight Bankruptcy or a Chapter 13 Bankruptcy in order for you to obtain financial relief, and about what to expect given the challenges posed by the recently enacted Bankruptcy Abuse Prevention and Consumer Protection Act of 2005.

The law offices of Patrick J. McNamara represent clients in two basic types of Bankruptcy proceedings: Chapter 7 Liquidation cases & Chapter 13 Debt Adjustment cases.

This is accomplished through a “discharge” and the way it is obtained depends on whether it is a Chapter 7 or Chapter 13 bankruptcy that is filed. Chapter 7 In a Chapter 7 bankruptcy, covered in Chapter 7 of Bankruptcy Code, all dischargable debts are discharged usually in a period of 3 to 4 months.

Chapter 13 In a Chapter 13 bankruptcy, covered in Chapter 13 of the Bankruptcy Code, a percentage of the debt is repaid through a 3 to 5 year plan depending on the Debtor’s income and expenses. After the plan is completed, the remaining dischargable debt is discharged and any non-dischargable debt remains.

There are limits to what kinds of property can be protected in bankruptcy and there are limits to what kinds of debts can be discharged. If the Debtor files a Chapter 7 bankruptcy and has equity in property exceeding in value the amount of the allowed exemptions, the property will be sold to pay their creditors.

They can instead file a Chapter 13 and so long as the Debtor’s creditors will receive the dollar equivalent of what they would have received in a Chapter 7 case (had the property been liquidated) through the Chapter 13 plan, the property will be protected, but the Debtor has to pay some of the debt back in order for that to be accomplished.

Farella Braun + Martel is a leading Northern California law firm representing corporate and private clients in sophisticated business transactions and complex commercial, civil and criminal litigation. Clients seek our imaginative legal solutions and the dynamism and intellectual creativity of our lawyers.

We are headquartered in San Francisco and maintain an office in the Napa Valley that is focused on the wine industry. Farella’s commitment to supporting the industries of Northern California and our entrepreneurial responsiveness to the regional demands, have driven our growth and evolution.

Nimbleness and opportunistic management have propelled our success through almost 60 years. From trial prowess in high-stakes litigation to utility-scale renewable energy project development and complex transactional expertise, Farella’s clients rely on and appreciate our fierce focus on client service and high quality work.

Farella connects on a personal level with all of our clients, big and small. We have successfully fused the quality, experience and resources of large firms with the relationship, flexibility and personal attention associated with a mid-sized firm. Our low leverage and low attrition means clients build deep relationships with a stable team of lawyers with whom they work as long-term partners, helping them to pursue and realize their strategic business goals.

To get into a San Mateo Chapter 7 bankruptcy, you have to pass the “means test” which requires that your income be below a certain level. The means test is a formula designed for debtors with qualifying or lower income who need immediate relief within 90 days of filing. Generally speaking, the means test takes a debtor’s gross monthly income for the last 6 months and approved expenses into consideration. Though you might not qualify for a Chapter 7 bankruptcy if your income is “above” the means test, you may still be eligible for a Chapter 13 bankruptcy.

Practice Areas:

• CHAPTER 7
  A San Mateo Chapter 7 bankruptcy is designed to get you immediate relief from your unsecured debts. The Chapter 7 can erase credit card debts, medical bills, repossessions, and stop lawsuits. Once your debts have been discharged in bankruptcy, the law prevents creditors from ever coming back to collect from you. You will get the clean slate you have been looking for in about 90 days.
• CHAPTER 13
  A San Mateo Chapter 13 bankruptcy results in a payment plan that allows you to repay some of your debt over 3 to 5 years with minimal interest. For example, you could make up missed mortgage or car payments to get current without penalties. Most importantly, the Chapter 13 bankruptcy allows debtors to retain their property. Under the right conditions, certain debts, like second mortgages and liens on real property may be stripped away.

Dunning Law Group is an experienced team of attorneys and staff practicing civil and criminal litigation. Some of our attorneys have over 30 years experience in their respective fields. By bringing to the table the knowledge gained from handling a variety of civil and criminal matters, the Dunning Law Group is able to serve all our client’s legal needs.

We are particularly committed to representing individuals and small businesses that cannot otherwise afford a large corporate law firm. We offer free initial consultations to assist persons in understanding their legal rights. Once we agree to take a case, we offer competitive hourly, fixed or contingent fees depending on the services requested.

Our attorneys practice primarily in northern California where we have offices in San Francisco and the East Bay, although we sometimes take cases in Southern California and other states. We are a diverse firm that strives to protect the rights and privileges of all persons within the boundaries set by law. Our staff is fluent in both Mandarin and Cantonese Chinese, and in Spanish.

We offer advice and assist in the creation of the structure for legally starting a business, eg. sole proprietorship, partnership, corporation, LLC or LLP. Our Attorneys have the experience and knowledge to work with clients to help create the most appropriate structure for any business activity.

All consultations and client intake meetings can be conducted solely via telephone or video conference. Marty Courson, Esq. is an electronic case filer with the Bankruptcy Court, and, as long as a client can transmit requested documents via cloud, email, fax, text or USPS, he can prepare and execute their bankruptcy case. No in-person meeting is required for preparation of the bankruptcy!

PRACTICE AREAS:

• Chapter 7
  Most people are eligible for a Chapter 7 “straight” bankruptcy where they get rid of all their debts from credit cards, post-foreclosure mortgages, repossessed cars, medical bills, judgments and the like. Few people with an expert bankruptcy lawyer have any assets at risk in a Chapter 7. With the generous exemption scheme for property in California, almost 98% of bankruptcy debtors keep everything.
• Chapter 13
  Chapter 13 is the gold standard for consumers who need to reorganize their financial affairs. Among other things, a Chapter 13 may permit you to strip away an underwater 2nd mortgage, “cram down” a car loan to the value of the car and pay it at a lower interest rate, play catch up with back mortgage payments, pay co-signed student loans in full and pay off required tax debts to the exclusion of credit card debts.

With over 25 years of legal experience, in Philippine Law as well as United States Immigration Laws and California law, we as attorneys have dedicated our lives to the practice of law. Each case is important to us and we are committed to ensuring a zealous and competent representation of our clients.

Each case is handled personally by a licensed attorney. Each individual who may be looking to retain our services can check with the State Bar to see if we are in fact authorized to practice law. No two cases are exactly alike. The best way to know how to tackle your legal issues is to consult with a licensed, experienced, and competent attorney. We here at CHUA, TINSAY & VEGA look forward to guiding you through your legal issues to assess what options might be available to you.

Practices:

• IMMIGRATION
  Foreign nationals coming to the United States can be generally classified into 2 classes: Immigrants (or Legal Permanent Residents) and Non-immigrants.
• FAMILY LAW
  Family law deals with a number of issues related to parents, spouses, children, domestic partners, unmarried couples, and same-sex partners.
• PHILIPPINE LAW
  We also provide services in the Philippine Law – Inheritance, Properties, Annulments, and other Philippine Law cases.
• NATURALIZATION
  You can gain U.S. citizenship status through a process called Naturalization.
• BANKRUPTCY
  A bankruptcy discharge releases the debtor from personal liability for certain specified types of debts.

Many clients come to us after enduring long term financial difficulties. Some have tried debt consolidations, repayment plans and mortgage modifications. Often, we see clients who do not understand the many ways a bankruptcy will benefit them. Our goal is to help our clients understand all benefits of bankruptcy. Most clients leave the office feeling much better.

Everyone at our San Francisco Bankruptcy Lawyer firm takes our motto very seriously: “Expert Support and a Positive Approach.” We bring more than 23 years of bankruptcy law experience to every case. Our firm understands the needs of our clients and we offer a positive approach in accomplishing our clients’ goals.

This is a new beginning for you. Bankruptcy is the first step toward building a new and healthy financial future. We take great pride in the job of assisting in your new beginning.

Our San Francisco and bay area bankruptcy law attorney specialize in both Chapter 7 and Chapter 13 Bankruptcies. Our clients include individuals, families and businesses. Our service area includes the entire seven county bay area including all cities in Alameda, Contra Costa, Marin, San Francisco, San Mateo, Santa Clara, and Sonoma Counties.