Berkeley, California Bankruptcy Attorney

Berkeley Bankruptcy Attorney

At the Law Offices of Melanie Tavare you will find a full service bankruptcy law firm that can help you with all of your bankruptcy needs. If you are unsure if bankruptcy is right for you, make an appointment for a free consultation with attorney Melanie Tavare. At your hour long consultation you can discuss your reasons for considering bankruptcy and any fears or concerns you may have. After you are done, you will have a clear understanding of how bankruptcy can help you or if other alternatives are a better option. The Law Offices of Melanie Tavare offers first rate legal representation at a competitive price. Flexible payment plans are also available.

Discharge your Debt in Chapter 7 or Chapter 13 Bankruptcy

If you can no longer afford to make your credit card payments or you are only able to make the minimum payments, bankruptcy can help you eliminate your debt. If you have medical debt you cannot manage you can get rid of it in bankruptcy. If you have fallen behind on your car payments and wish to keep your vehicle, bankruptcy can help. Whatever your debt problems are, attorney Melanie Tavare of the Law Offices of Melanie Tavare can help you find the solution. Call today for a free consultation and find out how bankruptcy can help you get a fresh start free of debt.

Berkeley Foreclosure Defense Lawyer

In recent months there has been some significant progress for people facing foreclosure in California. One of the biggest reasons for change came about due to a Federal-State settlement with five big banks regarding abusive mortgage practices. Those five banks are Bank of America Corp, Wells Fargo & Co, JPMorgan Chase & Co, Citigroup Inc., and Ally Financial Inc. Under the settlement these banks have agreed to stricter oversight of foreclosure processing and a single-point-of-contact for borrowers. Although this settlement is a step in the right direction it is not a cure for everyone facing foreclosure. Attorney Melanie Tavare is an expert in foreclosure defense through bankruptcy. If your mortgage lender or servicer is not one of the five banks listed above, or if the relief they are offering you is not enough to save your home, bankruptcy may be your best option.

Berkeley Asset Protection Attorney

Once you file bankruptcy, an automatic stay goes into effect which prohibits your mortgage lender from completing a foreclosure sale on your property without approval from the bankruptcy court. This automatic stay may give you enough time to catch up on your mortgage arrears on your own, or it may allow you to repay your mortgage arrears over time in a Chapter 13 bankruptcy. Attorney Melanie Tavare knows how to use the automatic stay to protect your assets. She is an experienced bankruptcy lawyer who can advise you on how the bankruptcy code may help save your home.

Loan Modifications

If your mortgage lender or servicer is one of these five banks: Bank of America Corp, Wells Fargo & Co, JPMorgan Chase & Co, Citigroup Inc., and Ally Financial Inc., then starting January 1, 2013 they may not foreclose on your home if you are in the middle of a loan modification process. In order for them to start or complete a foreclosure they must first deny your loan modification application in writing. This protection only goes so far. There is no law requiring banks to grant loan modifications and often times, if you are carrying too much debt, you can be denied the loan modification on that basis. Bankruptcy can help you discharge all of your unsecured debt and allow you to free up more of your income to make mortgage payments. Attorney Melanie Tavare can help you decide if bankruptcy can assist you in achieving your loan modification objectives and if so, when the best time to file is.

To learn more about the Federal-State settlement with the big five banks, read this article here.

Don’t wait another day to get the fresh start you need. Call today for a free consultation. Saturday appointments are available.