Many people hesitate to consider bankruptcy because they think they will lose everything they have. This is not true. In most cases, you can keep your home, your car, your personal property - and maybe even a boat or RV. In the vast majority of cases, the client does not lose anything!
At the Bankruptcy Law Offices of Stephen Johnson, our attorneys are skilled at using the bankruptcy laws to enable our clients to keep as much of their property as possible. We will work to enable you to take full advantage of the exemptions available to you.
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Every case is different. But generally speaking, filing for bankruptcy allows you to keep your:
A complete list of allowable exemptions can be found on our California Exemptions page. Your attorney will be glad to discuss this with you and explain how these exemptions will work in your particular case.
Even if you are not current on your mortgage, it may be possible to roll your total past-due mortgage payments into a plan that enables you to repay those debts over a three- to five-year period. The extra cash flow you get from a discharge of your unsecured debts as the result of a Chapter 13 Bankruptcy can make it much easier to handle your payments for your mortgage and other non-dischargeable debts.
You may be able to eliminate or reduce your debts, while keeping your house. Our firm will work to obtain debt reductions for you, while allowing you to keep as much property as possible.
For experienced and knowledgeable representation in a Chapter 13 or Chapter 7 Bankruptcy , look to the attorneys at the Bankruptcy Law Offices of Stephen Johnson.
For a free consultation with the Bankruptcy Law Offices of Stephen Johnson in Auburn, including Lincoln, Rocklin, Roseville, Sacramento, Redding, Chico, Colfax, Truckee, Nevada, Yolo, Shasta, Tehama, and Amador, California, Call 530-823-3655, or contact us online.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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