Northern California Bankruptcy Attorney Exclusively Representing Consumer Interests

At the Law Office of Gale Angelo Johnson P.C., we specialize exclusively in bankruptcy law and consumer advocacy, ensuring a focused and adept approach to addressing the diverse financial challenges faced by our clients. Our commitment to these legal domains allows us to deliver exceptional service, maintain strong relationships with bankruptcy courts and trustees, and eliminate the distractions that come with a broad legal practice.

How Filing Bankruptcy Resolves Credit Woes

Filing for bankruptcy, guided by an experienced California bankruptcy lawyer like Gale Angelo Johnson, proves to be a potent remedy for various credit issues. From creditor lawsuits and foreclosure to utility disconnection and evictions, the right legal guidance can unlock the path to much-needed debt relief.

  • Stop Creditors in Their Tracks: Initiating a Sacramento bankruptcy immediately halts creditor calls and other collection efforts. Whether filing for Chapter 7 bankruptcy or Chapter 13 bankruptcy in California, the automatic stay prevents creditors from contacting you, providing a respite to assess and address your financial situation.
  • Halt Eviction Proceedings: Facing eviction? Filing for bankruptcy can potentially help you retain your residence, provided you initiate the process before a court order is issued by the landlord. It’s crucial to note that bankruptcy won’t absolve you of rent obligations but can offer a temporary reprieve.
  • Prevent Foreclosure with Bankruptcy: For those on the brink of losing their homes to foreclosure, Chapter 7 bankruptcy triggers an automatic stay, temporarily pausing the foreclosure process. In Chapter 13 bankruptcy, a structured payment plan enables you to repay mortgage arrears over three to five years.
  • Avert Utilities Disconnection: Bankruptcy can be a lifeline when utilities like telephone, gas, electricity, or water face disconnection. The automatic stay ensures at least a 20-day reprieve, with Chapter 7 bankruptcy often leading to the complete discharge of most utility debts.

Upholding Dignity and Professionalism

At Gale Angelo Johnson P.C., we prioritize professionalism and dignity in assisting bankruptcy filers from Sacramento, Roseville, Yuba City, and surrounding areas in California. Since 2006, our Sacramento bankruptcy law firm has guided hundreds of clients through Chapter 7 and Chapter 13 bankruptcy, offering excellence and understanding in equal measure.

Exploring Chapter 7 Bankruptcy in Detail

Whether you seek a Sacramento bankruptcy attorney or one in Roseville, rest assured of a successful California Chapter 7 bankruptcy filing with our firm. Our expertise extends to deciphering the means test, safeguarding property exemptions, stopping wage garnishments, halting creditor harassment, and addressing the common concern of improving credit scores after bankruptcy.

Chapter 7 Bankruptcy and Asset Protection

Chapter 7 bankruptcy allows eligible debtors to wipe out most unsecured debts like credit cards, medical bills, personal loans, and utility debts. Our Sacramento bankruptcy lawyers help clients protect assets like homes, cars, retirement accounts, Social Security income, and other exempt property under federal and California bankruptcy laws.

The Chapter 7 Bankruptcy Process

The Chapter 7 bankruptcy process begins with a free initial consultation where our lawyers review your unique situation, forms of debt owed, income sources, assets, and objectives. We then prepare and file the voluntary bankruptcy petition, schedules, statements, and other documentation with the bankruptcy court on your behalf.

Throughout the bankruptcy case, our Sacramento bankruptcy attorneys help negotiate with creditors and trustees while keeping clients updated on next steps. Most Chapter 7 cases take 3-6 months to complete, culminating in a court order granting the discharge of qualified debts.

Navigating Chapter 13 Bankruptcy

Ranked among the top consumer bankruptcy lawyers in Sacramento, our legal team extends its extensive knowledge of federal and California bankruptcy laws to aid distressed individuals and families. If you’re in Sacramento, Roseville, Folsom or elsewhere in Placer County and Sacramento County, our seasoned professionals are ready to guide you through the intricacies of Chapter 13 bankruptcy.

How Chapter 13 Bankruptcy Works

Chapter 13 bankruptcy allows qualified debtors experiencing financial hardship to restructure debts under court supervision through an affordable 3-5 year payment plan. It helps save homes from foreclosure, catch up on mortgage and car loan arrears, reduce interest rates and fees on debt, and consolidate multiple unsecured debts into one payment.

Our Sacramento Chapter 13 bankruptcy attorneys help craft customized debt repayment plans catered to clients’ budgets and financial objectives. We represent their interests through every step of the court-managed process until debts are successfully reorganized and discharged.

Protecting Income and Assets

A key benefit of Chapter 13 bankruptcy is allowing debtors to retain non-exempt assets like homes and cars that might otherwise be liquidated in Chapter 7 to pay off creditors. Our bankruptcy lawyers in Sacramento negotiate repayment plans that fit clients’ budgets so they can keep valuable property while still getting strong financial relief.

We also assist in shielding income sources like Social Security, pensions, unemployment benefits, child support or alimony so clients have sufficient funds to cover living expenses through the bankruptcy process. Our firm’s focus is helping clients achieve lasting financial stability.

Serving Consumers Across Northern California

Serving consumers throughout Sacramento County and surrounding areas in Northern California, the consumer bankruptcy attorneys at Gale Angelo Johnson P.C. practice in the Sacramento Division of the Bankruptcy Court for the Eastern District of California.

We provide legal services related to debt relief, creditor defense and protection of income/assets to clients from Sacramento, Roseville, Folsom, El Dorado Hills, Rocklin, Yuba City, Marysville Modesto, Contra Costa, Alameda, Santa Clara and other surrounding counties. Reach out at (916) 458-5190 to schedule your free initial consultation and discuss your bankruptcy options.

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