Bankruptcy

If your financial situation seems hopeless, with creditors constantly harassing you day and night, and your property about to be foreclosed on or repossessed, do not despair.  Bankruptcy may be your best option.   For most individuals, there are two forms of Bankruptcy:  Chapter 7 Bankruptcy for Liquidation, and Chapter 13 Bankruptcy (consolidation).  Call Scott Lyons’ office to schedule your free consultation today to determine your best option.

 

Are you drowning in debt? Can’t make your payments? Is your home at risk?  Are your wages being garnished?  Do you need to protect your vehicles from being repossessed?  Are you a victim of legal judgments and/or tax liens? Find out if bankruptcy is the right option for you.

  • We will answer your questions.
  • We will tell you what you need to know to get through this.
  • We give you a free consultation with an expert California bankruptcy lawyer.
  • We offer affordable fees.

 

Remember, the more information you provide, the more complete the advice to you will be.  Good information translates quickly to good service.

 

So, please try to bring all the following information to our office:

  • Notice of Default (if applicable).
  • Notice of Trustees sale (if applicable).
  • Any tax lien (if applicable).
  • A list of all your bills with actual most recent statements.
  • Any lawsuits and/or legal judgments.
  • Your most recent six months of pay stubs.
  • Your California driver’s license.
  • Your Social Security Card.
  • Your last two years (or most recent) income tax returns.
  • All of your most recent bank statements

 

Lyons & Lyons Law Firm,

Respected Bankruptcy Attorneys,

Over 30 Years of Proven Success and Experience.

 

Call our office for a FREE consultation. Come to our convenient law office at 1010 West Main Street in Visalia California.  You will get an honest evaluation of your situation and an understanding of where things stand. Our bankruptcy attorneys can help guide you through the decision making process. We will not recommend bankruptcy of any type unless you really need it.

If you are a candidate for bankruptcy relief, we will discuss your options, give you an estimate of cost, and, most importantly, ease your mind with the knowledge that the solution to your financial problems is in good hands.

 

 

Call Lyons & Lyons at(559) 636-8122 to schedule a free appointment.  For your convenience, early evening and Saturday appointments are available.  You will be provided with a clear, personal explanation of your legal rights and options, including possible removal of 2nd and 3rd mortgages from your property, and all the information necessary for you to decide between and chapter 7 and chapter 13, if, in fact, you need to file any bankruptcy proceeding at all.

When you come in for your free consultation, we will go over your personal situation and explain how bankruptcy may affect each of your debts, property and assets. We will not recommend bankruptcy unless you need it. Our aim is to provide the very best counsel to our clients and we will be as objective as possible about your options. At the end of your consultation, if you decide that bankruptcy is the best option, we will quote you a very reasonable rate. Payment plans are available. You are under no obligation and whatever you decide; our advice during the consultation is free.

If bankruptcy is your best option, we will help you decide how to proceed.

 

Chapter 7

If you are being crippled by high credit card debt or medical bills, Chapter 7 may be a way for you to discharge those debts. Also called “liquidation,” “debt wipe-out” or “fresh start,” Chapter 7 cases are typically resolved 4 months after the filing date. You will receive a Bankruptcy Discharge and your obligation to the discharged debts will be over. Together, we determine if this is the best course of action for you.

 

Chapter 13

Chapter 13 is also known as “reorganization” or “wage-earners payment plan”, or “consolidation.”  This is not a standard liquidation bankruptcy, which is the above-noted chapter 7. If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room… 99% of all debtors who file Chapter 13 keep their assets. This may also be the best option for joint husband/wife filings.  Chapter 13 is a reduced repayment plan that allows you to pay all, or some, or hardly any of your bills and stops all attempts to attach your property or garnish any of your wages.  Chapter 13 even stops the I.R.S. and Franchise tax Board from taking your money

 

Foreclosure

Frequently, those who file bankruptcy and keep their homes are able to recover their lost equity. We can help you protect your largest investment.

What does it cost to file bankruptcy?

Just like a contractor needs to look at a house and its condition to give an estimate for his labor and materials, a reputable bankruptcy attorney needs to evaluate each client’s situation before providing an estimate of cost. We offer a free, personal consultation and very reasonable rates. Payment plans are also available. For More information, call us for your free appointment at (559) 636-8122

Your Free Bankruptcy Consultation

Your free consultation will include a comprehensive evaluation of your financial life. We will ask probing questions (completely confidential) to determine whether bankruptcy is the best option for you. For example, we want to know what the problem is, as you see it. What are your debts, your assets, your income, and your expenses? We also want to know what your questions are and what you hope to achieve from the process. At the end of the personal meeting, you will have all the information you need to take the next steps.

 

Your Questions Answered

Filing bankruptcy is always a difficult decision to make, and the process can be very complicated. There is a lot of information to process and a lot of questions to ask. We are here to help. Our experienced bankruptcy attorneys have answers to all of the most commonly asked questions.

 

  • Do I need an attorney to file bankruptcy?
  • What does bankruptcy do to my credit?
  • Will I ever be able to buy a house?
  • Will I be able to finance a new car after bankruptcy?
  • How much does it cost?
  • Would a debt consolidation company be better?
  • Can I negotiate with my creditors?
  • Can a paralegal or a legal document service represent me?
  • Isn’t bankruptcy immoral, and just taking the easy way out?I
  • Is it moral?

 

Before considering bankruptcy, shouldn’t I first try to seek out some consumer credit counseling? Call us at (559) 636-8122. We will give you good advice and answer all of your questions

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