We are a debt relief agency. We help people file for Chapter 7 bankruptcy relief under the Bankruptcy Code. As a bankruptcy attorney, I can help stop a foreclosure sale on your home and ensure that creditors stop contacting you, giving you the peace of mind to make informed, thoughtful decisions about your personal financial future.
Before filing a Chapter 7 bankruptcy case, I will analyze the debtor's eligibility for the different forms of debt relief that are available under the Bankruptcy Code and which form of relief is likely to be most beneficial for my client. I will strive to make certain the debtor understands the type of relief that can be obtained and its limitations. To file a bankruptcy case, documents called a Petition, Schedules, a Statement of Financial Affairs, a Statement of Current Monthly Income, and in most Chapter 7 cases, a Statement of Intention, must be prepared correctly and filed with the bankruptcy court. Unless the debtor qualifies for a waiver of the filing fee, the debtor must pay a filing fee to the bankruptcy court. Once the debtor's case starts, the debtor will have to attend the required first meeting of creditors (the 341 Meeting of Creditors) where the debtor may be questioned by a court official called a "trustee" and by creditors. I will be in attendance with the debtor at this meeting.
My firm is experienced in implementing and applying the appropriate provisions to state and federal laws with respect to compliance issues pertaining to debt and equity instruments. We also continue to maintain an understanding of the current Bankruptcy Code.
In the filing of a Chapter 7 bankruptcy petition, the purpose of which is to obtain a discharge of a debtor's existing debts and to eliminate creditor harassment, to stop wage garnishment and to prevent or eliminate the debt left over from repossession or foreclosure, the information a client provides must be accurate and truthful. All assets and liabilities must be completely and accurately listed in the documents that are filed and reasonable inquiry and effort is made to establish the replacement value of each asset.
Cases handled by my office are routine and relatively simple. I make sure the case is handled according to the Federal Bankruptcy Code, Bankruptcy Rules and local rules of the court. The moment we file a petition on behalf of the debtor, all collection activity will cease. A debtor's bank accounts may not be seized, wages may not be garnished, and any asset seizures or garnishees in effect as of the date of filing the Chapter 7 bankruptcy petition must stop immediately.
5435-D Scotts Valley Dr.
Scotts Valley CA 95066
The initial consultation is FREE. However, a Credit Report may be required in the consultation to determine eligibility.
For a routine Chapter 7 bankruptcy filing, the current attorney fee charged is $1,550.
A breakdown of other costs involved:
• A credit report ($35 individual debtor or $50 joint debtors from three sources)
• Pre bankruptcy credit counseling course ($12 individual debtor or $24 joint debtors)
• United States Bankruptcy Court filing fee of $306
• Post bankruptcy credit counseling course ($10 for single, $20 for Joint)
Cost for an individual debtor is $1,913. Cost for joint debtors is $1,950.
$200 an hour or any fraction thereof.
Monday through Thursday
9:00 a.m. to 4:30 p.m.
9:00 a.m. to 12:00 p.m.
Presently, my two areas of primary practice are bankruptcy and municipal bond law. In the past, I have practiced in the areas of general law, family law and real property law. I have also litigated many cases and have appellate court experience. My pro bono work was primarily in the area of estate planning for the elderly.
Legal information and knowledge of debtor bankruptcy rights is critical when making an important decision in regards to your financial future. Please contact me for a legal consultation. My office routinely provides an information packet to debtors on what a Chapter 7 Bankruptcy is, the role of the Chapter 7 trustee, the process of filing bankruptcy once our office is retained, and acquaint the debtor with the court process. The bankruptcy process from the time a petition is filed to the time of final discharge by the bankruptcy court is approximately five months.
I am available to review a prepared Petition to verify that it meets local bankruptcy court rules for a Chapter 7 filing. However, I will not attest to its completeness or its accuracy.
At my hourly base rate, I will answer legal questions concerning the filing of a Chapter 7 Petition for a debtor who wishes to represent him or herself and inform them of the possible repercussions of their actions, if any.
I have been practicing law in the State of California since 1963. I had been retained as Deputy City Attorney and City Attorney for several California cities and have acted as General Counsel to several municipal water and sewer districts. Further, I am a nationally recognized Municipal Bond Counsel, whose federal and state tax opinions are accepted by all municipal investment firms. I have participated as Bond Counsel or Disclosure Counsel on hundreds of millions of dollars in municipal bond and note transactions.
Three of my family members are lawyers - son, daughter and brother. One daughter is a schoolteacher. Educational discipline is required to achieve one's goals. I have truly enjoyed all the work I have done to get to where I am in life today. Being a lawyer is a culmination of these efforts.
I get to the heart of the matter. For example, if a debtor wants to reaffirm the debt on his home and it isn't practical, I inform the debtor of these facts first so that the debtor can make an informed decision. Going through a bankruptcy is a difficult personal process. I am willing to help you and give you the confidence to keep going forward with your life's plan.Personal interests:
Golf, fine dining, reading and travel.
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