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Bay Area Bankruptcy Attorney
At the Oakland Law Offices of Melanie Tavare we specialize in chapter 7 and chapter 13 bankruptcy filings for consumers and small businesses. If you make the difficult decision of filing bankruptcy it is imperative you have the right lawyer by your side. Attorney Melanie Tavare has been filing bankruptcies for people in the Bay Area for years and knows what it takes to get your case confirmed. When it comes to filing bankruptcy having a knowledgeable attorney can save you thousands. Our office concentrates exclusively on helping people clean up their financial lives through bankruptcy and tax settlements, and has a unique knowledge of the bankruptcy code.
It is a common misconception that bankruptcy ruins people. There is a lot of money to be made by “debt settlement” companies and a lot of money is spent on making you believe bankruptcy will ruin your for life. The truth is bankruptcy is a tool to help people get back on their feet and have a brighter financial future. After filing bankruptcy you may receive credit card offers within months, be eligible for vehicle loans, and qualify for a mortgage loan after two years if you are income eligible. If people really knew the truth about how helpful bankruptcy can be the decision to file would be much easier.
The two types of bankruptcy our Oakland office concentrates its practice on are chapter 7 and chapter 13 bankruptcy. The most common bankruptcy is a chapter 7 which is a total liquidation of your unsecured debts such as medical bills and credit card debt. In a chapter 7 bankruptcy, you make no payments to your creditors and at the end of three months receive a discharge of your debt. In a chapter 13 case, you will make a monthly payment to the chapter 13 trustee, which will then be allocated among your creditors. In many cases, this monthly payment will only be used to pay secured creditors like your vehicle loan or mortgage arrears. If you are required to repay your unsecured creditors, you generally will only end up paying them pennies on the dollar.
The chapter of bankruptcy you file will depend on a few things like your income and amount of assets. It will also depend on your particular reasons for filing. A chapter 13 may be more suitable for someone with a higher income or someone who is trying to save their home from foreclosure. A chapter 7 may be better for someone who has no secured debt and is looking to just get out from underneath a mountain of bills. Choosing the most appropriate chapter of bankruptcy for your particular situation can save you thousands of dollars.
Contact Us Today!
At the Law Offices of Melanie Tavare we have the experience needed to help you make the right decisions regarding your bankruptcy. Don’t wait another day; relief from your financial burdens is a phone call away. Contact us for a free, no obligation consultation. Weekend appoints available.
- Chapter 7 Bankruptcy
- Chapter 13 Bankruptcy
- Wage Garnishment
- Bank Levies
- Bankruptcy and Taxes
- Bankruptcy And Your Credit
- Bankruptcy Litigation
- Debt Collections Defense
- Repossession and Bankruptcy
- Small Business Bankruptcy in the San Francisco Bay Area
- Lien Stripping
- Community Property in Bankruptcy
- Which Chapter Bankruptcy Should I File?
- Lawsuits, Collections, and Creditor Harassment
- Creditor Representation
- Adversary Proceedings
- Debts From Divorce and Bankruptcy
- Bankruptcy and Medical Debt
"Melanie is the best she very responsive and helpful throughout the process everything was taken care of smoothly. If you are thinking of going through bankruptcy she is the best attorney for you. I will forever be grateful having the chance to work with her. She is very honest too."
"I can't thank Melanie enough for helping me through a challenging process and doing so with incredible knowledge, professionalism and tenacity! She went to great lengths to keep me informed, she responded quickly to my questions, and communicated in terms that I could understand. I highly recommend getting in touch with Melanie should you have the need."
"Choosing to work with Atty. Melanie has been one of the best decisions I've ever made. She was a very patient professional to work with and attentive while providing valuable solutions to all of my concerns. If you are searching for of an Attorney who is knowledgeable, transparent, and diligent - well that's Atty. Melanie."
"What I liked about working with Melanie was how prompt and easy to work with she was. She made the process clear and understandable with as little stress as possible. I would work with her again and recommend her to others."
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