Get Out Of Your Unsecured Debts - Recovery Law Group

Get Out Of Your Unsecured Debts - Know Essentials Of Filing Bankruptcy

Recovery Law Group focuses on bankruptcy as we believe that this is where people need expert assistance the most. We grow our wills and credibility by offering our clients tailored bankruptcy solutions.

Do you wish to get out of your debt? Let us help you take the baby step – Well, there’s one relief that you won’t fight the battle alone anymore. You are in over your head in debt and unable to find an easy way out, we understand. Wajda & Associates prides in its team of top bankruptcy attorneys and their decades long dedicated experience.

Filing bankruptcy, we understand, is one of the biggest financial decisions one will ever consider doing. Do you know that your creditors or debt collectors will never help you find an alternative

to discharge your unsecured debts? Therefore, we have made it easy for debt-stricken to find us just by making a call or mailing.

There are types of bankruptcies and to know which bankruptcy you should file for needs expert consultation, also assistance throughout. The most common types of bankruptcies filed by families and businesses are Chapter 7 and Chapter 13 bankruptcy Sacramento.

Is Chapter 7 the right choice for you?

Chapter 7 bankruptcy allows a fresh start for families and businesses buried under medical bills, credit card debts and other types of unsecured debt. Given the most Chapter 7 cases, the filer is allowed an automatic stay-back, which further freezes immediate debt collection actions such as foreclosure, lawsuits, threatening letters, telephone calls, wage garnishment and even repossession. As soon as a discharge order is issued, in chapter 7 bankruptcy Sacramento, most of the unsecured debts get eliminated. This means the debt collection agencies or creditors will be violating the court order, if they attempt to call you after the order is passed.

What is Chapter 13 bankruptcy?

Certainly, no bankruptcy model is one-size-fits-all model. There are exceptions. For individuals or businesses with high income and high-value properties that cannot be exempted, or a multitude of secured debts, Chapter 13 serves the right answer. The essence of Chapter 13 bankruptcy is that it provides the filer with a 5 to 6-year repayment plan, which buys him some time to pull past due balances alongside and all without the pressure from debt collection agencies or creditors, and even the late fees. In case any unsecured debts remain behind, they can be discharged once the repayment plan is completed successfully.

Now this is exactly where, you need to consult an attorney, in order to know which bankruptcy fits your debt conditions better. An experienced and reputed bankruptcy attorney Sacramento will always listen to you and seek out every bit of detail that relates to your financial conditions.

At Recovery Law Group, we understand your current financial state and debt type. We hear out your credit history, so we can evaluate why and how you ended up filing bankruptcy. Besides, we would like to hear about your future plans and financial goals in life. All this is to help us come to a conclusion and make you a specific and feasible debt settlement plan.

Our attorneys stand apart in giving you solution and here’s why –  

They exercise immediate response.

They are calm, compassionate, reassuring and patient when it comes to handling any difficult situation.

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They listen to you, communicate and also educate you on many potential events and consequences.

We are more than just a group of specialized professionals. We let you feel comfortable, so you can confide in us. We are the ones with best interest at heart. Thus, call us anytime for a free bankruptcy consultation on 888-297-6203.