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Low Cost Bankruptcy lawyer Helping Richmond Residents Get Out of Debt
A lost job, a medical emergency, and countless other unexpected events can throw an individual or a business into financial chaos. It does not take long before creditors start calling and overdue notices remain unpaid. It is easy to become overwhelmed with stress when in this situation. But, it is critical to remember that there are legal avenues available to help, including bankruptcy.
The experienced lawyers at the Law Offices of Melanie Tavare work with residents in Richmond, California and nearby communities on all of their bankruptcy needs. We are proud to act as skilled advocates for community members in need of a financial fresh start.
A Bankruptcy Attorney in Richmond, CA is on Your Side
The word “bankruptcy” usually comes with a very negative connotation. Some assume that it is something that should be avoided at all costs and can completely ruin one’s financial life indefinitely. This is completely misguided. On the contrary, bankruptcy exists specially to help individuals and businesses get a fresh start in the midst of money troubles.
Bankruptcy often acts as the critical bridge from a seemingly endless financial mess to freedom and a hopefully future. Unfortunately, many residents in Richmond do not take advantage of the beneficial aspects of bankruptcy. If you are looking for help from harassing creditors and stacks of overdue notices, then take the time to contact The Law Offices of Melanie Tavare today. A legal professional can listen to your situation, explain what options are available, and do all of the leg-work to confirm the bankruptcy and put you on more stable financial footing.
Types of Bankruptcy in Richmond, California
Our firm primarily helps California residents with two types of bankruptcy: Chapter 7 and Chapter 13. Melanie Tavare can explain what options makes the most sense in your case after reviewing your specific situation.
Chapter 7 is the most well-known form of bankruptcy. It involves a total “liquidation” of unsecured debts (like medical bills and credit card debt). Under Chapter 7 there are certain assets that you are able to maintain and, at the end of the process, all unsecured debts are entirely discharged.
Chapter 13 is different in that it involves a payment plan. Under Chapter 13, a “trustee” is appointed who collects payments from you based on your ability to pay. The trustee then allocates the payments to debtors. Because Chapter 13 includes some repayment, it is usually more appropriate for those with higher incomes.
Each type of bankruptcy has different qualification requirements under the law. An experienced Richmond bankruptcy lawyer can explain what type makes sense in your case and advise on the next steps.
Contact a Bankruptcy Lawyer in Richmond, CA Today
Timing is important in all legal matters, and that is particularly true with bankruptcy. It is never too early to contact our office to learn more about your options. An experienced Bankruptcy Lawyer in Richmond, Ca can act as crucial adviser and advocate to ensure your interests are protected and you receive a fresh financial start. Our entire team at the Law Offices of Melanie Tavare are here to provide the support you need in Richmond and throughout the Bay Area. Feel free to contact us online or call at 510-255-4646 to see how we can help today.
The Law Offices of Melanie Tavare is a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code
"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."