Butte County Bankruptcy Attorney

Filing for bankruptcy in Butte County?

The legal team at Baker & Farris, Attorneys at Law has been representing our clients throughout Butte County for two generations. The firm assists clients who are facing serious financial problems in the area, and provides the legal counsel they need when filing for bankruptcy or when they face serious debt problems. Each 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. When you work with us, you can be confident knowing that we will do everything possible to help you achieve the debt relief that you deserve.

Our firm can assist Butte County residents by assisting them in filing for bankruptcy, whether chapter 7 or chapter 13, in the various alternatives to bankruptcy, what bankruptcy can and can't do, helping clients to understand the bankruptcy exemptions, the means test and all other matters surrounding filing for bankruptcy. We also provide legal counsel to individuals and families seeking a loan modification, in discharging your debt, debt settlement, debt negotiation, debt relief, debt litigation, debt consolidation, collections defense, debt counseling, defending against creditor harassment, repossessions, wage garnishment, and providing legal representation to arrange a short sale, deed in lieu, fight for you in a foreclosure defense, and assist in credit restoration.

Chapter 7 and Chapter 13 Bankruptcy: Solving Serious Financial Issues

When you are in the position in which your debts are unmanageable and you have no possibility of keeping up, due to job loss or other issue, it is likely that chapter 7 bankruptcy could be the right solution for you. The federal government gives individuals and couples in this position the opportunity for a fresh start by discharging their consumer debt. This is the obligations that you have that are not secured, such as credit cards, medical bills, personal loans, overdue utility payments and other debts that have no collateral. Once the process is complete, you will no longer owe these debts, allowing you to move forward and start over without the burden of debts that it is likely you will be unable to pay.

Others may not wish to file chapter 7, or are not eligible. Chapter 13 bankruptcy is for those who have a steady job and income, but have gotten into trouble and gotten far behind in payments. This form of bankruptcy will give them the opportunity to keep their assets and to pay off back bills over a three to five year period in one payment.

Solution for Debt-Related Problems

There are other options to debt related problems that we can initiate, based upon your personal financial situation; we are here to find the best possible resolution for you in these serious personal issues. Many may not need to file bankruptcy, but need help in getting a loan modification. Those 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.

No matter what your financial situation is, there is likely a solution that will bring you the relief you need. We have almost 50 years of combined experience to bring to the table, and our client-focused law firm provides personal, compassionate service to individuals and families throughout the 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!

Our firm is proud to serve residents throughout Butte County, including the community of Chico, California.

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