Under chapters 12 and 13, we may help you reduce your monthly payment on your mortgage provided you have a regular income even if the income is small. We can help you reschedule the payments of your debts and immediately stop all collection activities. We can stretch out the payment schedule on any big balloon payment that comes due while a repayment plan is in effect. We can reduce the balance or wipe out a second and third mortgages on a real property, as long as the value of the mortgaged property is less than the value of the first mortgage. In addition, We may represent you at all hearings including confirmation hearing, objections to plan, motion for relief from the automatic stay etc.

Unlike chapters 12 and 13, chapter 11 bankruptcy is designed to save businesses owned by individuals partnerships, limited liability companies and corporations which are making less income than they are spending. An individual may also file a chapter 11 case even if he/she is not engaged in business. For more on chapter 11 petitions, click the page on chapter 11 bankruptcy information.

Under chapter 7, We will assist you to eliminate (cancel) any  credit card debts, collections and other unsecured non-priority debts  and you will never have to pay them again. We may be able to help you keep your home, car and other valuable assets under California exemption laws in the process of eliminating your credit card debts. We may be able to help you discharge your student loans (for additional fee) and past taxes in some limited situations. We will stop all collection activities against you from the moment you hire me. We will represent you at all 341 creditors' meeting. We may also represent you at creditors' motion for relief from the automatic stay, objections to discharge,  and any adversary proceedings.

We may help you reduce your monthly payment on your mortgage provided you have a regular income even if the income is small. We can help you reschedule the payments of your debts and immediately stop all collection activities. We can stretch out the payment schedule on any big balloon payment that comes due while a repayment plan is in effect. We can reduce the balance or wipe out a second and third mortgages on a real property, as long as the value of the mortgaged property is less than the value of the first mortgage. In addition, We may represent you at all hearings including confirmation hearing, objections to plan, motion for relief from the automatic stay etc.