If you are struggling to pay your bills, and face constant calls, letters and threats of legal action, a personal bankruptcy filing can help you get a fresh financial start. When you seek protection under the bankruptcy laws, an automatic stay goes into effect, preventing your creditors from making any attempt to collect the debt outside of the bankruptcy process. The bankruptcy laws have changed, though. You want an experienced lawyer to guide you through the process.
At the office of Gemma V. Reyes, Attorney at Law, we have protected the rights of men and women throughout the Bay Area since 1996. We provide honest answers and accurate information to people seeking legal counsel to address financial concerns. For a private meeting to learn how we can help you, contact us by e-mail or call our office at 408-292-6289.
Our Bankruptcy Law Practice
We handle all matters related to personal bankruptcy filings, preparing and submitting all required documentation throughout the process and acting as your representative in all meetings or hearings with creditors, the court or the bankruptcy trustee. We provide comprehensive counsel on issues involving:
- Chapter 7 bankruptcy - We will help you determine whether you qualify to permanently discharge debts under Chapter 7. We will help you understand which debts can be wiped out, as well as what assets you can protect.
- Chapter 13 bankruptcy - If you fail to qualify for Chapter 7, or wish to pay off your creditors, we can help you reorganize your debts under Chapter 13. We will work with you to create and submit a reorganization plan, and will review any proposed repayment agreements from your creditors.
- Wage garnishment - We can help you prevent or stop wage garnishment by filing for personal bankruptcy protection.
- Foreclosure actions - We will help you understand how a Chapter 7 or Chapter 13 bankruptcy can suspend foreclosure proceedings.
We can also help you work outside of the bankruptcy process, negotiating loan modifications with your creditors. We will work directly with your bank, mortgage company or other creditor to seek new terms that allow you to meet your financial obligations.
Contact Our Office
To set up a confidential and informative meeting, contact our office online or call us at 408-292-6289 for an appointment. Put our team to work for you.
