You’re in over your head. Struggling to pay your bills. You know Bankruptcy is an option, but you are too afraid or ashamed to ask. Where do you turn when your debt is out of control? Bankruptcy can be your answer. It is more than a chance to be free from your debt. It is an opportunity to end your stress.
In the last 20 years, we have helped thousands of people avoid millions of dollars in debt.
What Can Bankruptcy Do?
Bankruptcy is an incredible tool to get your financial life back together again. In our estimation, of all the things that the government has done, this is one they got right. We are passionate about Bankruptcy and love what it can do to save people’s lives.
- eliminate all of your unsecured debts such as credit cards, medical bills, payday loans, and much more;
- stop creditor calls;
- save your home from foreclosure;
- save your car from repossession;
- eliminate certain federal and state income tax debt;
- remove judicial liens from your propery;
- and so much more!
Will I Lose All of My Things?
In most cases the answer is no, you won’t lose your things. California, being a liberal state, provides more protection over property than just about any state in the union. For most people, we can protect your house, your cars, all your personal belongings, your retirement, and even tens of thousands of dollars in the bank.
Little known fact: You could have $30,000 in credit card debt and $30,000 in a bank account; in California, you could bankrupt the $30,000 in credit cards and still get to keep the $30,000 in your bank!
Stop Creditor Harassment
If creditors are bothering you at work, harassing your family, friends and neighbors, or calling at all hours, you can put an end to it immediately simply by hiring Lanphier & Associates to represent you. Upon depositing as little as $100, you can refer your creditors to us. We will keep the creditors off your back.
Lower Your Car Payment
Lanphier & Associates may even be able to lower your car payments. Most Bankruptcy attorneys will never tell you of a process referred to as “redemption”. Using the Chapter 7 redemption process, Lanphier & Associates can force a creditor to accept a payoff on your vehicle for only the value of the vehicle. We will then help you obtain new financing for the Chapter 7 redemption on your vehicle.
Example: if you owe $25,000 on a vehicle that is only worth $10,000, Lanphier & Associates may be able to force your lender to accept a “redemption” of $10,000 as a payoff on the vehicle and help get you a new loan for that new lower amount.
Many Bankruptcy attorneys do not offer this valuable service. Lanphier & Associates can reduce your vehicle payment, save you thousands of dollars on the vehicle, and eliminate your other debts along the way. This is just another way that Lanphier & Associates uses the most aggressive means possible to improve your financial situation and work to get you the fresh start you need.
Or you can choose to reorganize your car loan in a Chapter 13 Bankruptcy, which can also reduce the loan to the fair market value of the car, as well as reduce the interest rate dramatically.
Rebuild Your Credit
It used to be that a Bankruptcy on your credit report was a critical blow to your future ability to obtain credit. That is no longer the case. The ability to reestablish your credit after bankruptcy is better than it has ever been before. In fact, for many clients, the filing of the Bankruptcy can raise your credit score 50 to 150 points. And that’s before your case even closes!
Many of our clients are able to finance a vehicle the day they receive their bankruptcy discharge. Most will receive credit card solicitations within days of receiving a bankruptcy discharge. And some are even able to purchase a new home within a year!
Lanphier & Associates offers competitive fees and offers payment plans to fit your individual needs. We offer a low flat fee that can be paid off in installments over time.
Contact Lanphier & Associates. We can help get you back on the path to financial freedom. With decades of Bankruptcy experience, you will find nobody better than Lanphier & Associates.