Consumer Bankruptcy Lawyer Serving the San Francisco Bay Area
If you are facing unmanageable credit card, medical or other debts and are being harassed by creditor calls, garnishments, liens and lawsuits, bankruptcy may be your best option for getting the debt relief you need and achieving a fresh start. With more than 30 years of experience, I have the skill and knowledge to guide you effectively through the bankruptcy process and help you get your financial life back on track.
Stop aggressive creditors in their tracks and the stress of overwhelming debt. Contact me today for a free initial consultation to discuss your bankruptcy options.
Since 1978, clients throughout Alameda County and the San Francisco Bay Area have turned to the Law Office of Steven J. Alpers, in Fremont, California, for effective solutions to their legal problems. When you work with me, you can be confident knowing that I will take the time to understand your unique situation and help you understand the pros and cons of filing for bankruptcy, so you can make informed choices.
Chapter 7 Bankruptcy
Chapter 7 bankruptcy is a useful tool for people facing overwhelming credit card or medical debt that has arisen from circumstances often out of their control such as job loss, illness or divorce. Chapter 7 provides consumers a fresh start, offering relief from most unsecured debts. Once I file the Chapter 7 bankruptcy petition on your behalf, all creditor collection activity must stop, and any communications from them must go to me instead.
We will discuss your financial situation, and I will gather necessary information about your debts, assets and creditors. If you qualify for Chapter 7, I will then file your petition. Thirty days later, you will be required to attend the meeting of creditors, and I will be with you at that meeting. You will also begin to attend credit counseling classes required by the court. In most cases, the court will discharge your debts 2 to 3 months after the creditors' meeting.
Depending on your specific situation, it may be possible to file for bankruptcy within 24 hours of your consultation.
Chapter 13 Bankruptcy
Chapter 13 is an effective bankruptcy option for people who do not qualify for Chapter 7. Typically, people filing for Chapter 13 bankruptcies have a regular income but have fallen behind on mortgage or car payments. Chapter 13 allows individuals to get the breathing room they need to catch up on their debt obligations.
Chapter 13 bankruptcy restructures your debts into a payment plan that allows you to pay back some or all of your debt over a period of 30 to 60 months. The payment plan is tied to your ability to pay. It will take into account your income minus expense obligations such as food, transportation, utilities and health insurance.
Whether Chapter 7 or Chapter 13, filing for bankruptcy allows you to get a fresh start financially and protect your property from creditors to the maximum allowed by law. Contact my office today to schedule a free initial consultation and learn how I can help you get back on your feet again.
Law Office of Steven J. Alpers
39300 Civic Center Drive
Suite 110
Fremont, CA 94538
Telephone: 510-792-5110 | Fax: 510-797-8434
Map and Directions
The Law Office of Steven J. Alpers represents clients throughout the San Francisco Bay Area including the cities of Fremont, Hayward, Oakland, San Jose, Pleasanton, Milpitas, Palo Alto, Santa Clara, Union City, Newark, Livermore, Redwood City, Alameda, San Leandro, Castro Valley and other communities in Alameda County, Contra Costa County, San Mateo County and Santa Clara County, California
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