The Law Office of Gerald L. White
KNOWLEDGEABLE, EXPERIENCED, RELIABLE AND CARING -TAKE ADVANTAGE OF OUR FREE 2 HOUR ATTORNEY CONSULTATION
The Law Office of Gerald L. White
KNOWLEDGEABLE, EXPERIENCED, RELIABLE AND CARING -TAKE ADVANTAGE OF OUR FREE 2 HOUR ATTORNEY CONSULTATION
We understand that financial problems can make life miserable, but there really are solutions. We've been helping people in the Sacramento area resolve their financial problems for more than 36 years. If you want to understand your legal and financial options, please call to talk to Mr. White. Whether you just want to ask a question, or schedule a free 2 hour attorney consultation, we will listen and we will help you.
Mr. White, has successfully represented well over 6,000 individuals and businesses in Chapter 7 and Chapter 13 bankruptcy cases filed in the Sacramento Bankruptcy Court since 1982. Mr. White is a Certified Legal Specialists in Bankruptcy Law, certified by The California Board of Legal Specialization of the State Bar of California. You can rely on us. We have the knowledge and experience to help you and we care about providing you the very best possible representation and results.
In order to provide you with the highest quality advice, representation, and results, you will always meet directly with Mr. White, not a paralegal or secretary. His knowledge of the law and experience with the Court, the judges, and the bankruptcy trustees here in Sacramento, allows him to correctly identify all of the issues in your case and establish the best possible strategy to resolve your specific concerns. He will put his analysis in writing so that you can properly understand and consider your options to make informed decisions based on the goals that are most important to you. Whether you choose to file bankruptcy or not, proper planning will minimize the problems, maximize the results, and put you in the best position to move forward financially. Don't waste time worrying when you can get the answers you need for free!
Main Office
301 Natoma St Suite 105
Folsom, CA 95630
(916) 985-3330
We advise and represent clients who are experiencing problems with debt. We advise and represent clients in Chapter 7 and 13 bankruptcies. We advise and represent clients in negotiations to settle debt for less than the full amount due.
Bankruptcy is a complex legal proceeding that will affect your financial future for many years. As such, it is usually a mistake to represent yourself or hire a "paralegal" or typing service who cannot provide legal advice or actually represent you. The bankruptcy petition and schedules to be filed with the court are over 50 pages in which you testify under penalty of perjury that you have listed all of your property, all of your debt, and have answered all questions truthfully. Accurate preparation of the case is critical to getting a successful result, so we recommend the following step by step process.
Step 1. A FREE 2 HOUR CONSULTATION with one of our attorneys, Jerry White or Gary Gale
The purpose of the initial consultation is to help you understand your legal and economic options and to demonstrate the superior quality of our advice and representation. When you call to set an appointment we will email you a questionnaire and ask you to prepare a simple list of all of your debt with the name of each creditor and the amount you owe. The questionnaire asks you to provide your contact information, a basic description of all property you own, and information about economic activity that is relevant to a bankruptcy. In the appointment your attorney will review the facts of your case in order to identify all of the bankruptcy issues. He will prepare a written analysis describing the likely results of filing a bankruptcy under both chapters 7 and 13, and may also identify potential strategies to be followed before filing that may improve the results. After the consultation we welcome you to call if you have questions so that you can make the best decision based on your personal priorities and goals.
Step 2. Retaining us to represent you
Once you decide that you want us to represent you, just call to set an appointment to review our retainer agreement and pay the initial installment of our fees. We will give you a set of instructions and questionnaires to collect the information to prepare your case. We will then set a date for you to deliver the information and a date, about 7 to 10 days later, to meet with your attorney to prepare the case.
Step 3. Collection of your financial data and documentation
In order to convince the court that you are eligible for bankruptcy protection you will need to provide extensive information concerning your financial affairs. You will list all of the property you own and all of the debt you owe, answer questions concerning your financial history, and describe your current income and expenses. You will provide copies of statements from creditors and collectors, deeds to real property, tax returns, pay stubs, loan contracts, and other documentation relevant to your circumstances. Once you deliver your information by the agreed upon date, the staff will prepare a first draft of the bankruptcy petition and schedules.
Step 4. Attorney Review
Your attorney will review the first draft and all of your information and documentation before meeting with you to prepare to file the case. If there is additional information needed, your attorney will email you a list of information or documentation to be brought to the meeting.
Step 5. Meeting with your attorney
This is the most important part of the process. The purpose of this meeting is to be sure that you have provided all of the information to convince the court that you are eligible for the protection you seek. The bankruptcy petition and schedules must describe your circumstances as of the date you file, so your attorney will review each page with you to be sure that you understand what information the court requires and have provided it accurately. During this meeting you will establish a specific strategy targeting the date of filing and identifying all information to be updated, or action to be taken, before filing in order to get the best results. You will be given a copy of the corrected first draft to review and a list of information to be provided. A deadline will then be set by which to execute the strategy and update information so the case can be filed.
Step 6. Providing additional information and executing the strategy
Once you complete all action to execute the strategy and provide all of the information to update the schedules, we will correct and edit the draft to make the clearest and strongest argument that you are eligible for the protection requested.
Step 7. Updating last minute information and filing the case
Some facts continue to change daily (cash on hand, bank balances, year to date income, accrued earnings, accounts receivable, etc.) and those facts must be updated on the day you file so the petition and schedules are accurate when you sign them and file the case. On the day of filing you will call us with this information before you come in to sign the final draft. Once you review and sign it, we file it with the court electronically that same day.
I was employed in real estate development in the early 1980s when the national economy slipped into another recession. At that time mortgage interest rates climbed to as much as 24.0% per year causing real estate development and sales to come to a standstill. When 2 developers I worked with both filed bankruptcy, I knew where I could find employment. I started practicing bankruptcy law with a Bay Area law firm in September 1982 and have been helping debtors resolve their financial problems ever since.
Both of our attorneys, Gerald White and Gary Gale, are designated by The California Board of Legal Specialization of The State Bar of California as CERTIFIED LEGAL SPECIALISTS IN BANKRUPTCY LAW. As of September 1. 2014 there were only 135 attorneys in the entire state of California with this certification! We have 53 combined years of experience representing our clients in thousands of bankruptcy cases. 100% of our clients filing chapter 7 received a discharge of their debts. 100% of our clients filing chapter 13 were successful in obtaining confirmation of their debt repayment plans. We get great results because we know what we're doing and we work closely with our clients to do it right the first time.
Gerald (Jerry) White has been representing clients exclusively in Chapter 7 and Chapter 13 bankruptcy cases for over 32 years and is a Certified Legal Specialist in Bankruptcy Law, designated by The California Board of Legal Specialization of the State Bar of California since 2005. Jerry graduated from the University of California Berkeley with a Bachelor of Arts in Economics in 1976, and from the University of the Pacific, McGeorge School of Law in Sacramento, California, with a Juris Doctor in 1979. He was admitted to the State Bar of California in 1979, and to the United States District Courts, Eastern and Northern Districts of California, in 1982.
Jerry is an active member of the State Bar of California, the Sacramento County Bar Association, the Sacramento Valley Bankruptcy Forum, and the National Association of Consumer Bankruptcy Attorneys. He served as a member of the Sacramento Bankruptcy Court Clerk's Advisory Committee for 6 years, during which he co-produced a training program for the Clerk's staff, and co-authored portions of the Clerk's public information booklet. Jerry has been asked to serve as a speaker for many continuing education programs provided by the Sacramento County Bar Association and the Sacramento Valley Bankruptcy Forum, and has been selected by the Chief Bankruptcy Judges of the Eastern District of California, Sacramento Division, to participate as a delegate in and speak at several of the annual Judicial Conferences of the U. S. District Court, Eastern District of California.
On April 26, 2002, the National Association of Consumer Bankruptcy Attorneys awarded Jerry with the designation, "Champion of the Order of Protectors of Consumer Debtors in Recognition of and Appreciation for the Extraordinary Contribution You Have Made to the National Association of Consumer Bankruptcy Attorneys in the Fight to Preserve Basic Rights for Consumer Debtors in Bankruptcy".
Jerry has also been awarded a BV-Distinguished peer rating from Martindale-Hubbell "which identifies a lawyer with very high ability" and is a "definite reflection of...exemplary professional expertise and stature."
Gerald (Jerry) White has been representing clients exclusively in Chapter 7 and Chapter 13 bankruptcy cases for over 32 years and is a Certified Legal Specialist in Bankruptcy Law, designated by The California Board of Legal Specialization of the State Bar of California since 2005. Jerry graduated from the University of California Berkeley with a Bachelor of Arts in Economics in 1976, and from the University of the Pacific, McGeorge School of Law in Sacramento, California, with a Juris Doctor in 1979. He was admitted to the State Bar of California in 1979, and to the United States District Courts, Eastern and Northern Districts of California, in 1982.
Jerry is an active member of the State Bar of California, the Sacramento County Bar Association, the Sacramento Valley Bankruptcy Forum, and the National Association of Consumer Bankruptcy Attorneys. He served as a member of the Sacramento Bankruptcy Court Clerk's Advisory Committee for 6 years, during which he co-produced a training program for the Clerk's staff, and co-authored portions of the Clerk's public information booklet. Jerry has been asked to serve as a speaker for many continuing education programs provided by the Sacramento County Bar Association and the Sacramento Valley Bankruptcy Forum, and has been selected by the Chief Bankruptcy Judges of the Eastern District of California, Sacramento Division, to participate as a delegate in and speak at several of the annual Judicial Conferences of the U. S. District Court, Eastern District of California.
On April 26, 2002, the National Association of Consumer Bankruptcy Attorneys awarded Jerry with the designation, "Champion of the Order of Protectors of Consumer Debtors in Recognition of and Appreciation for the Extraordinary Contribution You Have Made to the National Association of Consumer Bankruptcy Attorneys in the Fight to Preserve Basic Rights for Consumer Debtors in Bankruptcy".
Jerry has also been awarded a BV-Distinguished peer rating from Martindale-Hubbell "which identifies a lawyer with very high ability" and is a "definite reflection of...exemplary professional expertise and stature."
We understand that financial problems can make life miserable, but there really are solutions. We've been helping people in the Sacramento area resolve their financial problems for more than 36 years. If you want to understand your legal and financial options, please call to talk to Mr. White. Whether you just want to ask a question, or schedule a free 2 hour attorney consultation, we will listen and we will help you.
Mr. White, has successfully represented well over 6,000 individuals and businesses in Chapter 7 and Chapter 13 bankruptcy cases filed in the Sacramento Bankruptcy Court since 1982. Mr. White is a Certified Legal Specialists in Bankruptcy Law, certified by The California Board of Legal Specialization of the State Bar of California. You can rely on us. We have the knowledge and experience to help you and we care about providing you the very best possible representation and results.
In order to provide you with the highest quality advice, representation, and results, you will always meet directly with Mr. White, not a paralegal or secretary. His knowledge of the law and experience with the Court, the judges, and the bankruptcy trustees here in Sacramento, allows him to correctly identify all of the issues in your case and establish the best possible strategy to resolve your specific concerns. He will put his analysis in writing so that you can properly understand and consider your options to make informed decisions based on the goals that are most important to you. Whether you choose to file bankruptcy or not, proper planning will minimize the problems, maximize the results, and put you in the best position to move forward financially. Don't waste time worrying when you can get the answers you need for free!
Main Office
301 Natoma St Suite 105
Folsom, CA 95630
(916) 985-3330
We advise and represent clients who are experiencing problems with debt. We advise and represent clients in Chapter 7 and 13 bankruptcies. We advise and represent clients in negotiations to settle debt for less than the full amount due.
Bankruptcy is a complex legal proceeding that will affect your financial future for many years. As such, it is usually a mistake to represent yourself or hire a "paralegal" or typing service who cannot provide legal advice or actually represent you. The bankruptcy petition and schedules to be filed with the court are over 50 pages in which you testify under penalty of perjury that you have listed all of your property, all of your debt, and have answered all questions truthfully. Accurate preparation of the case is critical to getting a successful result, so we recommend the following step by step process.
Step 1. A FREE 2 HOUR CONSULTATION with one of our attorneys, Jerry White or Gary Gale
The purpose of the initial consultation is to help you understand your legal and economic options and to demonstrate the superior quality of our advice and representation. When you call to set an appointment we will email you a questionnaire and ask you to prepare a simple list of all of your debt with the name of each creditor and the amount you owe. The questionnaire asks you to provide your contact information, a basic description of all property you own, and information about economic activity that is relevant to a bankruptcy. In the appointment your attorney will review the facts of your case in order to identify all of the bankruptcy issues. He will prepare a written analysis describing the likely results of filing a bankruptcy under both chapters 7 and 13, and may also identify potential strategies to be followed before filing that may improve the results. After the consultation we welcome you to call if you have questions so that you can make the best decision based on your personal priorities and goals.
Step 2. Retaining us to represent you
Once you decide that you want us to represent you, just call to set an appointment to review our retainer agreement and pay the initial installment of our fees. We will give you a set of instructions and questionnaires to collect the information to prepare your case. We will then set a date for you to deliver the information and a date, about 7 to 10 days later, to meet with your attorney to prepare the case.
Step 3. Collection of your financial data and documentation
In order to convince the court that you are eligible for bankruptcy protection you will need to provide extensive information concerning your financial affairs. You will list all of the property you own and all of the debt you owe, answer questions concerning your financial history, and describe your current income and expenses. You will provide copies of statements from creditors and collectors, deeds to real property, tax returns, pay stubs, loan contracts, and other documentation relevant to your circumstances. Once you deliver your information by the agreed upon date, the staff will prepare a first draft of the bankruptcy petition and schedules.
Step 4. Attorney Review
Your attorney will review the first draft and all of your information and documentation before meeting with you to prepare to file the case. If there is additional information needed, your attorney will email you a list of information or documentation to be brought to the meeting.
Step 5. Meeting with your attorney
This is the most important part of the process. The purpose of this meeting is to be sure that you have provided all of the information to convince the court that you are eligible for the protection you seek. The bankruptcy petition and schedules must describe your circumstances as of the date you file, so your attorney will review each page with you to be sure that you understand what information the court requires and have provided it accurately. During this meeting you will establish a specific strategy targeting the date of filing and identifying all information to be updated, or action to be taken, before filing in order to get the best results. You will be given a copy of the corrected first draft to review and a list of information to be provided. A deadline will then be set by which to execute the strategy and update information so the case can be filed.
Step 6. Providing additional information and executing the strategy
Once you complete all action to execute the strategy and provide all of the information to update the schedules, we will correct and edit the draft to make the clearest and strongest argument that you are eligible for the protection requested.
Step 7. Updating last minute information and filing the case
Some facts continue to change daily (cash on hand, bank balances, year to date income, accrued earnings, accounts receivable, etc.) and those facts must be updated on the day you file so the petition and schedules are accurate when you sign them and file the case. On the day of filing you will call us with this information before you come in to sign the final draft. Once you review and sign it, we file it with the court electronically that same day.
I was employed in real estate development in the early 1980s when the national economy slipped into another recession. At that time mortgage interest rates climbed to as much as 24.0% per year causing real estate development and sales to come to a standstill. When 2 developers I worked with both filed bankruptcy, I knew where I could find employment. I started practicing bankruptcy law with a Bay Area law firm in September 1982 and have been helping debtors resolve their financial problems ever since.
Both of our attorneys, Gerald White and Gary Gale, are designated by The California Board of Legal Specialization of The State Bar of California as CERTIFIED LEGAL SPECIALISTS IN BANKRUPTCY LAW. As of September 1. 2014 there were only 135 attorneys in the entire state of California with this certification! We have 53 combined years of experience representing our clients in thousands of bankruptcy cases. 100% of our clients filing chapter 7 received a discharge of their debts. 100% of our clients filing chapter 13 were successful in obtaining confirmation of their debt repayment plans. We get great results because we know what we're doing and we work closely with our clients to do it right the first time.
Gerald (Jerry) White has been representing clients exclusively in Chapter 7 and Chapter 13 bankruptcy cases for over 32 years and is a Certified Legal Specialist in Bankruptcy Law, designated by The California Board of Legal Specialization of the State Bar of California since 2005. Jerry graduated from the University of California Berkeley with a Bachelor of Arts in Economics in 1976, and from the University of the Pacific, McGeorge School of Law in Sacramento, California, with a Juris Doctor in 1979. He was admitted to the State Bar of California in 1979, and to the United States District Courts, Eastern and Northern Districts of California, in 1982.
Jerry is an active member of the State Bar of California, the Sacramento County Bar Association, the Sacramento Valley Bankruptcy Forum, and the National Association of Consumer Bankruptcy Attorneys. He served as a member of the Sacramento Bankruptcy Court Clerk's Advisory Committee for 6 years, during which he co-produced a training program for the Clerk's staff, and co-authored portions of the Clerk's public information booklet. Jerry has been asked to serve as a speaker for many continuing education programs provided by the Sacramento County Bar Association and the Sacramento Valley Bankruptcy Forum, and has been selected by the Chief Bankruptcy Judges of the Eastern District of California, Sacramento Division, to participate as a delegate in and speak at several of the annual Judicial Conferences of the U. S. District Court, Eastern District of California.
On April 26, 2002, the National Association of Consumer Bankruptcy Attorneys awarded Jerry with the designation, "Champion of the Order of Protectors of Consumer Debtors in Recognition of and Appreciation for the Extraordinary Contribution You Have Made to the National Association of Consumer Bankruptcy Attorneys in the Fight to Preserve Basic Rights for Consumer Debtors in Bankruptcy".
Jerry has also been awarded a BV-Distinguished peer rating from Martindale-Hubbell "which identifies a lawyer with very high ability" and is a "definite reflection of...exemplary professional expertise and stature."
Gerald (Jerry) White has been representing clients exclusively in Chapter 7 and Chapter 13 bankruptcy cases for over 32 years and is a Certified Legal Specialist in Bankruptcy Law, designated by The California Board of Legal Specialization of the State Bar of California since 2005. Jerry graduated from the University of California Berkeley with a Bachelor of Arts in Economics in 1976, and from the University of the Pacific, McGeorge School of Law in Sacramento, California, with a Juris Doctor in 1979. He was admitted to the State Bar of California in 1979, and to the United States District Courts, Eastern and Northern Districts of California, in 1982.
Jerry is an active member of the State Bar of California, the Sacramento County Bar Association, the Sacramento Valley Bankruptcy Forum, and the National Association of Consumer Bankruptcy Attorneys. He served as a member of the Sacramento Bankruptcy Court Clerk's Advisory Committee for 6 years, during which he co-produced a training program for the Clerk's staff, and co-authored portions of the Clerk's public information booklet. Jerry has been asked to serve as a speaker for many continuing education programs provided by the Sacramento County Bar Association and the Sacramento Valley Bankruptcy Forum, and has been selected by the Chief Bankruptcy Judges of the Eastern District of California, Sacramento Division, to participate as a delegate in and speak at several of the annual Judicial Conferences of the U. S. District Court, Eastern District of California.
On April 26, 2002, the National Association of Consumer Bankruptcy Attorneys awarded Jerry with the designation, "Champion of the Order of Protectors of Consumer Debtors in Recognition of and Appreciation for the Extraordinary Contribution You Have Made to the National Association of Consumer Bankruptcy Attorneys in the Fight to Preserve Basic Rights for Consumer Debtors in Bankruptcy".
Jerry has also been awarded a BV-Distinguished peer rating from Martindale-Hubbell "which identifies a lawyer with very high ability" and is a "definite reflection of...exemplary professional expertise and stature."
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