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Get The Fresh Financial Start You Deserve

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Financial crisis can be brought on by many different reasons, often by no fault of a debtor.  Unexpected layoffs and job loss, medical bills and overwhelming credit card debt are just a few examples that can place people in both a challenging and unexpected financial situation.  Bankruptcy can help you get the fresh financial start you deserve.  Created to provide people with a fresh start, bankruptcy laws provide a new opportunity at life without being burdened by the pressures of past debts.  Although not every debt can be eliminated through bankruptcy, you may be released from liability on many of the most burdensome types of debt, such as credit card, medical bills and most consumer judgments.  We are comitted to seeing you get the maximum amount of debt discharged.  Once discharged, creditors are prohibited from ever taking action against you to collect on those debts.

Through bankruptcy, it may be possible to stop the foreclosure sale of your house, and allow you to keep your home and catch up on the missed payments by spreading them out over a 3 to 5 year period.

We take a problem solving approach to consumer bankruptcy and are committed to finding the most cost efficient solution to the financial situations of every client.  We will help you achieve the best results by maximizing the amount of debt you can be relieved from and protecting as much of your assets as you may be allowed.  After bankruptcy, you will have the opportunity to rebuild your credit and focus on your economic future.

Through the bankruptcy process, it may be possible for you to:

  • Discharge liabilities for most or all of your debts allowing you a fresh start. When your debt is discharged, you will have no further legal obligation to pay the debt.
  • Stop foreclosure actions on your home and allow you an opportunity to catch up on the missed payments.
  • Prevent repossession of your car or other property, and possibly force creditors to return property even after it has been repossessed.
  • Stop the wage garnishment and other debt collection harassment to give you some economic breathing room.
  • Restore or prevent termination of certain types of utility services.
  • Allow you an opportunity to challenge the claim of certain creditors who may have committed fraud or who are otherwise seeking to collect more than they are legally entitled to from you.

In Bankruptcy, however it is typically not possible to:

  • Eliminate certain rights of secured creditors. Although you may be able to force a secured creditors to take payments over time in the bankruptcy process, you cannot keep the collateral unless you continue to pay the debt.
  • Discharge types of debts singled out for special treatment, such as child support, alimony, student loans, certain court ordered payments, criminal fines and some taxes.
  • Protect all cosigners on their debts. If a relative or friend cosigns a loan which is discharged in the bankruptcy order, the cosigner may still be obligated to repay whatever part of the loan not paid during the pendency of your bankruptcy case.
  • Discharge debts that are incurred after the bankruptcy petition is filed.

If you are considering bankruptcy, we encourage you to seek the advice and assistance of an experienced San Francisco Bay Area bankruptcy attorney who practices California bankruptcy law before you decide to file. At The Chernev Firm, we will provide you with a free bankruptcy consultation where you can talk to a bankruptcy lawyer about your options.

 

California Bankruptcy Attorney

bio_footerMark Chernev is the founder of the firm.  He possesses over 12 years of experience as an attorney handling simple matters through high profile, complex litigation cases.

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What Our Clients Are Saying

"Mark, my wife and I would to thank you for helping us with our Bankruptcy case. You made the process very easy and you were very reassuring during a time when we needed a Lawyer we could trust to handle our case. We are truly grateful for ...

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The Chernev Firm
101 California Street, Suite 2710
San Francisco, CA 94111
Phone: 415-956-4020

©2012 The Chernev Firm
San Francisco Bankruptcy Law Firm

The Chernev Firm is a debt relief agency under bankruptcy law. We are proud to help people file for relief under the Bankruptcy Code.
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