Bankruptcy Attorney San Francisco Ca - In today's world, debt is a huge part of a consumer's lifestyle. With debt, we secure the purchase of our homes, cars, jobs, and sometimes even the basic necessities of life. However, life is unpredictable and as a result we may face difficult times. We could lose a job, have medical problems, or incur unexpected expenses, and before we know it, you could be piling up in debt and making it difficult to get out of it. We understand that financial problems are common and can make life difficult. However, there are solutions. If you are interested in understanding your legal and financial options, please contact us today.
Bankruptcy is a scary word, and when thinking about bankruptcy it can be one of the most difficult decisions a person faces. Plus, it can be an intimidating process. As a result of filing for bankruptcy, the debtor is likely to face some short-term consequences, not to mention the emotional draining it can cause to the individual and their family. However, the primary goal of bankruptcy is to give debtors a "fresh start." The Supreme Court addressed the purpose of bankruptcy law in a 1934 decision when it held:
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[I]t give to the faithful but unfortunate debtor. . . A new lease on life and a free scope for future endeavors, unhindered by the stress and discouragement of pre-existing debt.
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292 US 234, 244 (1934). Bankruptcy is a tool for debtors to obtain some financial relief. As the economy experiences its ups and downs, bankruptcy is becoming a more common solution.
The first step when facing financial problems is to learn about the bankruptcy process. Therefore, you should seek advice from a competent legal advisor. Attorney Pauldeep Bains is dedicated to helping individuals and families facing financial difficulties and primarily focuses on Chapter 7 and Chapter 13 bankruptcy cases. Mr. Bains provides in-person and telephone counseling to help all types of clients adjust to busy schedules. The free, hour-long consultation is designed for you to discuss your unique financial situation with Sacramento bankruptcy attorney Poldeep Pines to determine if bankruptcy is an appropriate option for you. Mr. Baines is here to listen, assist and educate you about your legal options.
Here at the Sacramento Bankruptcy Lawyer, you will almost always meet with Mr. Baines directly to conduct this consultation to provide you with the highest quality of service. Mr. Bains is here to make that first step, and every step along the way, as easy and stress-free as can be. Whether you're drowning in credit card debt or facing foreclosure, Mr. Baines offers expert advice and is willing to take stock of your finances with you and devise a creative plan to get you out of the financial struggle you're facing.
Attorney Poldeep Baines has been reviewing his Chapter 7 and Chapter 13 bankruptcy options with over 1,000 people here in the Sacramento, Roseville area. Mr. Bean has filed hundreds of bankruptcy cases with exceptional results. If you need to file Chapter 7 bankruptcy because a credit card company has threatened or sued you, or is trying to charge your bank account or withhold your pay, Mr. Baines can quickly and efficiently assess your situation and bring you forward without wasting time. Or if you need to file Chapter 13 bankruptcy to avoid foreclosure on your home, Mr. Bains is ready to begin processing your case immediately and create a Chapter 13 plan tailored to your needs. If you are looking for a knowledgeable, experienced, and most importantly, dependable bankruptcy attorney, click here to schedule a consultation today!
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Once a client hires a Sacramento bankruptcy attorney, Poldeep Pines, the client receives a detailed questionnaire package that includes a list of financial documents to be collected. These financial documents are essential in preparing your bankruptcy filing. Once everything is gathered and the questionnaire package completed, the next step is to schedule a follow-up appointment (i.e. document review appointment) with Mr. Baines so that you and Mr. Baines can review your financial documents. Mr. Baines will take the information received during this appointment and prepare your personal petition.
As part of the application, the debtor must list its assets and liabilities along with other miscellaneous financial information. These requirements are intended to provide the debtor's creditors with sufficient information and to facilitate a fair and efficient distribution of the debtor's income or assets, depending on the type of bankruptcy to which it is filed. The most common bankruptcies and types of cases we handle here at Sacramento Bankruptcy Lawyer are Chapter 7 (liquidation proceedings) and Chapter 13 (fixed income person debt settlement). Each type of insolvency proceeding has different admission requirements. Depending on your individual situation, you may be eligible to file for bankruptcy under more than one chapter. Therefore, Mr. Bains in evaluating which chapter would be most beneficial given your particular financial situation.
If you would like to learn more about the differences between Chapter 7 and Chapter 13 bankruptcy proceedings, please click here!
Once you file your application with the United States Bankruptcy Court, a meeting of creditors will take place, also known as a "341 hearing" (as required by Section 341 of the Bankruptcy Code). At this meeting you will meet with the trustee responsible for your case. The faithful are cordially invited to attend this gathering; However, rarely any happen. The role of the trustee is to manage the bankruptcy estate - The main job of the trustee is basically to ensure that the creditors are paid as much as possible in accordance with the details of the bankruptcy law. Therefore, this meeting aims to ensure that all information provided on the petition is an accurate representation of your assets and income. For this meeting, you must bring your photo ID and Social Security card. Mr Baines attends these hearings regularly and will ensure that you are fully prepared. In preparation for the 341st hearing, Mr. Bean will review your petition with you and discuss with you some of the expected questions the trustee may ask you. As such, customers of Mr. Bains is more willing to hear you. Mr. Baines will make every effort to ensure that this hearing proceeds as smoothly as possible.
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Depending on the type of bankruptcy you file, this may be the only hearing you need to attend. If you are seeking a Chapter 7 exemption, this will likely be the only hearing you attend. If you are applying for Chapter 13 relief, your reorganization plan must now be approved by a judge. The primary goal or end result of bankruptcy proceedings is to obtain a discharge. Chapter 7 will provide you with this relief approximately 100 days after you file your case and Chapter 13 once you finalize your reorganization plan. The discharge states that you are no longer legally obligated to pay certain debts listed in your bankruptcy case and no further action can be taken by those creditors against you to collect those debts.
Whichever route you choose, speaking to Attorney Poldeep Baines is the first step. Please call our office at 916-800-7690 to schedule your consultation! Alternatively, click here to arrange a consultation appointment!
When you contact Sacramento bankruptcy attorneys, they will promptly schedule a free initial consultation with Mr. Pines. Mr. Bains answers all your questions. Depending on the schedule, the initial consultation can take place in person or over the phone.
Once you are in our office, you will be tasked with completing our simple, easy to follow bankruptcy package. This helps our office prepare your bankruptcy application for submission to court.
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A follow-up meeting will be scheduled with Mr. Pines after the bankruptcy package is completed. At this meeting, Mr. Bains will review the completed bankruptcy package with you for completeness.
Mr. Pines will now use his expertise to personally prepare your bankruptcy filing. This includes the voluntary petition, schedules, finance schedule, and if you are applying for Chapter 13, your Chapter 13 plan.
Mr. Baines will now review the first draft of your bankruptcy filing with you. Mr. Baines will make sure you understand the entire content of the petition before proceeding. No changes and/or modifications will be made at this time.
The final draft of the petition is prepared for your signature. You and Mr. Baines will sign the final draft at this time.
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Once you have signed the final draft, we will now electronically file your case with the bankruptcy court and assign you a case number.
When you file your case, you will be required to provide your designated bankruptcy trustee with certain documents required by 11 U.S.C. 521. Our office collects these documents
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