Sacramento Bankruptcy Attorney

The law office of Randy J. Harvey, P.C., represents individuals throughout the Sacramento area in Chapter 7 and Chapter 13 bankruptcy proceedings. If you have been struggling with debt and are looking for a way out, it may be time to consider bankruptcy as an option.

Many people find that bankruptcy is the step they need to move forward with their lives while leaving their debt behind. To find out more about bankruptcy and the protections it provides, contact our law office to schedule an initial consultation.

Bankruptcy Explained

Chapter 7 and Chapter 13 are two separate bankruptcy processes. To determine which type of bankruptcy may be right for you, speak to a lawyer:

• Chapter 7 bankruptcy is commonly referred to as "liquidation bankruptcy". In this process, an individual's debt is eliminated and certain assets are sold off to repay creditors. A means test determines whether an individual is eligible to file for Chapter 7 bankruptcy. If not, Chapter 13 bankruptcy may be an option.
• Chapter 13 bankruptcy reorganizes an individual's debt and establishes a plan for settling that debt. An individual may be required to repay a portion of all of his/her debt over a period of three to five years.

As soon as an individual files for bankruptcy, an automatic stay goes into effect. This bans creditors from taking any actions against a debtor, which means harassing phone calls and other collection actions will stop.

Avoiding Bankruptcy

Bankruptcy is not the solution to every financial problem. Most people today never learned how to handle their finances. We work with our clients and show them how to avoid bankruptcy if possible and feasible for them. This includes getting assistance in debt management, budgeting, money management, and a host of other skills that help you get on track and pay your bills without declaring bankruptcy.

To find out more about the bankruptcy process and your individual options, contact our law office by calling 916.248.8602.

We offer a free phone consultation and accept major credit cards. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.