Long Beach, California, Bankruptcy Lawyers
Orange County — Los Angeles County — Long Beach, California
The bankruptcy law attorneys at Brand & Spellman, P.C., have counseled and assisted hundreds of individuals thinking about bankruptcy, debt management, debt settlement and other solutions to financial insecurity.
Our practice areas include:
- Chapter 7 bankruptcy for individuals: In Chapter 7 bankruptcy, a discharge is usually received with 6 months of filing, most debts are dischargeable and there are no repayments. Our firm can help you obtain a "fresh financial start." We take the time to counsel you beforehand to make sure that you get results that best match your goals.
- Chapter 7 bankruptcy for businesses: Chapter 7 business bankruptcy is for businesses of all sizes, including small, medium and large sole proprietorships, partnerships and corporations. It allows these entities to conclude their affairs and cease business operations.
- Chapter 11 bankruptcy: Allows individuals and businesses to reorganize debts and assets. Chapter 11 bankruptcy is useful for businesses that wish to continue operations during and after the process of reorganization.
- Chapter 13 bankruptcy: Indebted individuals with disposable income can often retain their personal or real property while paying off debt under a three- to five-year payment plan that is approved by the bankruptcy court. Chapter 13 is a viable option for people with relatively high incomes or significant personal property they want to keep. The best aspect of Chapter 13 is that it allows you to keep your home, even if you are behind on payments.
- Protecting your credit rating: We can help you make sure that creditors do not report damaging inaccuracies to credit reporting agencies. Our credit rating protection services can be helpful for a variety of people including those seeking to file for bankruptcy, those who have never filed for bankruptcy and those who filed for bankruptcy in the past.
- Stopping creditor harassment: Creditors are bound by legal restrictions when attempting to collect debts, including limitations regarding time of day, place and frequency they may call. Among other things, they also cannot use profanity, impersonate law enforcement officials or threaten arrest if you cannot pay the debt. We are skilled at halting illegal creditor behavior and suing when consumer protection laws are broken.
- Automatic stay: An automatic stay is one of the most powerful legal tools in our entire judicial system. It stops harassing phone calls, lawsuits, repossessions, foreclosure, wage garnishment, evictions and account levies.
- Providing foreclosure legal services: We can counsel you as to available options to avoid foreclosure, even if a surrender of your home is necessary.
- Exploring alternatives to bankruptcy: Debt management programs and debt settlement programs are just two options that can help you recover financially.
You Have Questions. We Have Answers.
People filing for bankruptcy often have similar questions, including:
- When should I file for bankruptcy?
- What happens to my car?
- Can I keep my home?
- What is life after bankruptcy like?
We strongly believe that clients in difficult financial situations deserve comprehensive information. Accordingly, we provide honest, complete answers to all of your bankruptcy law questions.
Contact Us for Your Free Initial Consultation
For more information about your debt-relief options, contact Brand & Spellman, P.C. for a free initial consultation. We offer flexible evening and Saturday appointments, and are open until 6 p.m. Monday through Friday. Contact us online, call us at 562-375-0317 or 866-345-2440 toll-free, or visit our office.
We are conveniently located near California State University Long Beach and are easily accessible from I-405, the 22, the 710 and the 91.
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