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Find Freedom from Financial Burdens

Our solutions are affordable and practical. Together we will work with you to create the optimal plan for you to get back on track and on with your future.

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Butte County Bankruptcy Attorney

Filing Bankruptcy in Northern California?

Here at The Law Office of Nikki Farris, our team has represented clients throughout Chico and Butte County for two generations. Additionally, we serve clients in Glenn, Tehama, and Plumas Counties and are able to serve you throughout various parts of Northern California. Our firm, previously called Baker & Farris, has been assisting clients who are facing serious financial problems, for several years, and we provide the legal counsel they need when filing for bankruptcy or dealing with serious debt problems.

Above all, our bankruptcy lawyers understand that every individual has a specific set of circumstances that should be reviewed to determine the best course of action to resolve the situation. We are committed to providing the help you need to STOP collections, repossession, resolve foreclosures and other urgent matters that are of deep concern to you or your family.

We Help You Make Educated Decisions

Our Butte County bankruptcy lawyers can help you make an educated decision about whether to file for bankruptcy and whether Chapter 7 or Chapter 13 is best for your situation. There are also some cases where bankruptcy is not the best option. We are highly knowledgeable regarding the various alternatives to bankruptcy and what bankruptcy can and can't do. Our team devotes time and attention to help you understand your options.

From helping clients understand the bankruptcy exemptions, to explaining the means test and other steps involved in the bankruptcy process, we cover all angles so that you are fully prepared to make the best decision for your financial future. When you enlist the help of a Chico bankruptcy attorney at The Law Office of Nikki Farris, you can rest assured knowing that you have a dedicated professional on your side who will help you succeed in:

In addition to bankruptcy, there are many other legal problems that a person can face when dealing with debt. Our lawyers provide debt counseling and legal advice to individuals and families.

Experience Real Debt Relief!

When you have no possibility of keeping up with payments due to job loss or other circumstances, Chapter 7 bankruptcy could be the solution for you. The federal government offers this opportunity for a fresh start by discharging the person's consumer debt. Consumer debt includes debts that are not secured, such as credit cards, medical bills, personal loans, overdue utility payments, and other debts with no collateral. Once the bankruptcy process is complete, you will no longer owe these debts and will be able to move forward.

There are other cases where a person does not wish to file Chapter 7 or is not eligible. Chapter 13 bankruptcy is an ideal debt relief option for those who have a steady job and income, but are too far behind in payments to every catch up. This form of bankruptcy provides an opportunity to keep your assets and to pay off back bills over a three- to five-year period, or in one payment.

Solutions for Debt-Related Problems

There are other options to debt related problems that our bankruptcy attorneys can initiate based upon your personal financial situation. We are here to find the best possible resolution for you during this stressful and serious time, and our bankruptcy lawyers can also help protect you against creditor harassment, repossessions, and wage garnishment. Many may not need to file bankruptcy, but need help in getting a loan modification.

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Others who were caught up in the subprime mortgage bubble are now facing serious financial challenges, as they may have a property that is mortgaged far beyond its current market value. We can assist those caught in a financial trap with their mortgage and help them to find a way to get the loan modified. Often banks and other lenders are more willing to work with an attorney than a mortgage holder, and we have extensive experience in helping those with an unmanageable payment situation get it resolved. Our bankruptcy team also provides legal representation to arrange a short sale, deed in lieu, fight for you in a foreclosure defense, and assist in credit restoration.

No matter what your financial situation is, there is likely a solution that will bring you the relief you need. We have extensive experience to bring to the table, and our client-focused law firm provides personal, compassionate service to individuals and families throughout Chico and the entire Butte County area. We are committed to helping our clients find the best possible solution for their debt-related problems and acting quickly on their behalf. There are usually good solutions for financial disasters, and with a review of your situation we can advise you what we can do to help. To find out if you qualify for bankruptcy , contact us today for a free case evaluation by calling (888) 325-1181 or visit our office located at 45 Jan Ct., # 175 Chico, CA 95928.

Learn more about bankruptcy today.

Contact a Butte County bankruptcy lawyer from our firm to discuss your debt problems and what can be done for you.

Our firm is proud to serve residents throughout Butte County & Northern California. This includes Chico, Oroville, Paradise and Yuba City, California.