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Livermore, California Bankruptcy Lawyer
How a Bankruptcy Lawyer in Livermore Can Help
Bankruptcy is a powerful tool that allows many debtors to get a fresh financial start. Many types of debt, such as credit card debt and unpaid medical bills, can be wiped away completely in bankruptcy. In other cases, a reasonable repayment plan can be put in place. Getting rid of debt in bankruptcy can be an opportunity to start over on more stable financial footing, change bad spending habits, and start rebuilding credit.
If you are overwhelmed with debt, a bankruptcy attorney in the Livermore, California community may be able to help. The Law Offices of Melanie Tavare have years of experience in bankruptcy law. We listen to our clients to identify their particular financial needs and discuss whether bankruptcy is a good solution.
Filing For Bankruptcy in Livermore, California
Many people believe that filing for bankruptcy is a long and complex process. In reality, filing a petition for bankruptcy can happen rather quickly. However, as with most areas of law, but particularly in bankruptcy, it is important to make sure that strict attention is paid to every detail. Failing to file the proper documents with the court or to thoroughly disclose all of a debtor’s assets can result in expensive delay or dismissal of the bankruptcy.
Our office is proud to help residents of Livermore and the surrounding areas with their bankruptcy needs. We are here to be a skilled advocate for people who are struggling with their debt and to help them find help. Whether you are an individual or own a business, options are available in bankruptcy to reduce your debt.
Bankruptcy Options
We help individuals and businesses in the Livermore area with two types of Bankruptcy: Chapter 7 and Chapter 13. There are different qualifications for these two types of bankruptcy, and which type is a better solution for you will generally depend on your particular situation.
The most common type of bankruptcy, Chapter 7, is available to both individuals and small businesses. In Chapter 7, a debtor sells or liquidates all of their non-exempt assets. Any unsecured debts that remain are wiped away. However, in order to qualify for Chapter 7, an individual must pass the Chapter 7 “means test.” An experienced bankruptcy lawyer will be able to advise you on whether you qualify.
In Chapter 13 Bankruptcy, a debtor repays some of their debts through a court-approved payment plan. After the payment plan is complete, remaining unsecured debts are wiped away. Chapter 13 is generally a better option for individuals with higher income or more assets.
Contact a Bankruptcy Attorney Today
If you are considering filing for bankruptcy, contact the Law Offices of Melanie Tavare today online or calling us at 510-255-4646. Everyone has different financial needs, and an experienced bankruptcy attorney can speak with you to determine whether bankruptcy is a good fit for yours.
"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."
Sandhya.
"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."
Carrie.
"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."
Marwin.
"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."