Experienced Advice for Bay Area Consumers and Businesses.

Times Are Tough.  You may have suffered a job loss, divorce, foreclosure, lawsuit, unexpected expenses, or other calamity and find yourself overwhelmed with garnishments or medical debt, high credit card debt payments, overdue taxes, student loans, judgments, or other debt problems.  Your business may be in financial trouble or facing lawsuits.  You can’t resolve these issues on your own despite your best efforts.

You know your financial problems won’t just go away but you don’t know how to begin get back on track.

Take Charge.  Bankruptcy may offer a solution.  Even under today’s tougher bankruptcy laws, most people still qualify for full protection and a fresh start under the Bankruptcy Code.  Bankruptcy can provide powerful relief from creditors and help you to regain financial stability.  Depending on your circumstances, your debts can be resolved under a Chapter 7 or “straight” bankruptcy in as little as 4 months, or you can repay a portion of your debts under a 3-to-5 year Chapter 13 plan.  Businesses and some individuals can restructure their debts under Chapter 11 while retaining control of their assets.

Contact Jim Shepherd, an experienced bankruptcy attorney who will listen, thoroughly discuss your financial situation and legal rights, and recommend the best way forward.

Schedule a free 30-minute confidential consultation and find out whether bankruptcy may be right for you.  Our goal is to provide the caring, practical, results-driven advice you need in a time of financial distress.

A New Beginning.  Filing for bankruptcy is a last resort and we will first explore other potential ways to relieve your debt burden.  But bankruptcy need not be the financial end for you.  With careful budgeting and sound planning you can regain your good credit, often within a few years after bankruptcy.  Businesses can reorganize their financial affairs and save jobs in the process.

Who has sought the protection of our bankruptcy laws?  To name a few, Mark Twain; Mickey Rooney; Elton John; Willie Nelson; Abraham Lincoln (twice); Dorothy Hamill; Isaac Hayes; Walt Disney; Zsa Zsa Gabor; Larry King; and many, many honest, hard-working people from all walks of life who have found themselves in financial straits, needing protection and relief from their creditors.

Let’s Talk.  Schedule your free consultation today, and see how we can help stop creditor harassment, garnishments, foreclosures and lawsuits, and confront your financial problems head on.