CHAPTER 7 BANKRUPTCY, CHAPTER 11 REORGANIZATION, AND CHAPTER 13 DEBT CONSOLIDATION/ REORGANIZATION

Ph. # (916) 447-6640

Welcome to our website. The Law Offices of Paul R. Bartleson are local, Sacramento Bankruptcy Lawyers, specializing in Chapter 7 Bankruptcy, Chapter 11 Bankruptcy, Chapter 13 Bankruptcy, and debt reorganization or consolidation. If you are considering filing Bankruptcy, you are not alone. Over the last year, Chapter 7 bankruptcy filings in the Eastern District of California increased over 100%. Most consumers or small businesses need a fresh start and seek to discharge their debts in a Chapter 7 Bankruptcy, or to reorganize and repay some or all of their debts in a Chapter 11 Reorganization , if you are are large business, or if you a consumer or small business and need to repay a mortgage, car loans, or taxes over time, in a Wage Earner or Consumer Bankruptcy" or, in a "small business" bankruptcy filing. Our experienced Sacramento Bankruptcy Attorneys are here to be your personal guide through the Bankruptcy Court and restore your financial peace of mind. The decision to file bankruptcy is not an easy one. Some of the chief causes of Bankruptcy are:

• Foreclosure;
• Loss of income from layoffs, downsizing, rightsizing, changes in industry;
• Out of control credit card debt;
• Uninsured medical bills;
• Divorce;
• High cost of Gas;
• High cost of Food; and
• Life happens.

Bankruptcy is not a moral or character judgment. It is only an event in your financial life or a realistic evaluation of of circumstances. Unlike what you hear on the mainstream media, most people do not use the Bankruptcy Court as a financial planning vehicle. You struggle with feelings of guilt, shame, embarrassment. anger, depression, frustration and fear over an uncertain future. Many delay and wait to file too long after they should and end up throwing good money after bad by draining money from retirement accounts or savings before filing. Most resist the idea taking action.At the same time, Bankruptcy is not the solution to all your problems. But financial problems are like cancer, nobody thinks you're going to get it, but once you're there, its best to take proactive steps to deal with it.

When your Chapter 7 Bankruptcy or Chapter 13 Bankruptcy is filed, it puts an immediate stop to:

• Foreclosures
• Wage garnishments
• Tax and Bank levies
• Repossessions
• Law suits
• Evictions
• Annoying phone calls and harassment from abusive debt collectors; and
• Sleepless nights and stress filled days.

If you are facing foreclosure, you may have other options short of filing bankruptcy. We will do a thorough examination and evaluation of your case to see if you have Alternatives to Filing Bankruptcy. Even though we specialize in bankruptcy law, our goal is to give you the best financial advice possible. If we can, we'll try and find a way to help you avoid Bankruptcy. With changes in the law and new State and Federal programs, you may avoid bankruptcy altogether by doing a loan modification or even a global debt settlement. We can also do a forensic audit of your loan, and if we find any violations of the Truth in Lending Act or RESPA, you may be able to rescind your loan and or sue your lender for damages.

Our experienced bankruptcy attorneys will show you how to keep your stuff, by claiming the appropriate exemptions, get rid of your debts, and what you can do after you file to rebuild your credit and your life. At the Law Offices of Paul R. Bartleson, you will get personal attention from a bankruptcy attorney, not a paralegal, throughout your case, so that you will understand the process and how it works in order to know what it takes to successfully complete your Bankruptcy and feel comfortable doing it. We also clear up any misconceptions you may have by debunking bankruptcy myths.

If you are ready to take back control of your life and get a fresh start, contact us at (916) 447-6640, or email us now for a free consultation.

For the latest on the Sacramento Bankruptcy Buzz, visit Paul's Blog at sacramentobankruptcyblog.com

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