Law Offices of Patrick L. Forte
Over 38 Years Experience

Services

When You're Struggling With Overwhelming Debt We Can Help

Areas of Practice

 

Chapter 13

Chapter 13 bankruptcy is a debt adjustment in which you make a monthly payment to a trustee for a three- to five-year period. Individuals who are not eligible to file a Chapter 7 may still be eligible to file a Chapter 13.

The amount of the Chapter 13 plan payment is based on several factors: your income, living expenses, types of debts, and the value of your assets. It may well be the case that you pay back your creditors very little.


Repossessions

Failure to make the payments on your vehicle puts it at risk with your creditor who may decide to seize (repossession) your vehicle for nonpayment. Since you probably use your vehicle for a multitude of tasks – everything from traveling between work and home to transporting the kids to and from school – it represents a terrible hardship to lose it.

It is much easier to prevent the repossession of vehicles than it is to dispute the process later and it is also unpleasant to have a creditor threatening to repossess your only means of transportation. Rather than suffer through either of these experiences, consult one of our attorneys for advice on your options.



Chapter 7

With an experienced bankruptcy attorney, Chapter 7 bankruptcy can be the simplest and quickest way for qualified people to get a fresh start by discharging their debts. If you find you can’t repay debts to your creditors, this could be your best course of action.

There are some types of debts that are exceptions (student loans, child support, certain types of taxes, etc.) and there are certain debts that you may wish to keep paying, such as car payments or home mortgage payments.


Wage Garnishment

Our law firm knows how to stop the garnishment of your wages and a bank levy on your accounts, and can help you find tax relief. A bank levy and a wage garnishment constitute serious financial and legal problems for you and it is important that you consult an attorney to stop these actions as quickly as possible.

 

 

 

 



foreclosures

If your home is at risk because your debt load has prevented you from making regular mortgage payments, call one of our foreclosure lawyers for help. A foreclosure is a legal process by which the lender tries to recover the balance of a loan by selling the asset used as collateral for the loan. If the lender is a mortgage company and that asset is your home, you need to take care of the problem right away.

There are various ways of dealing with foreclosures, and you need an attorney who knows the options available and will help you choose the most a suitable solution.


taxes

When the IRS or the Franchise Tax board, for California taxes, is determined to collect on your unpaid income tax, our bankruptcy law firm can help if you are unable to pay. There are several approaches to the problem and it is best to have an experienced attorney at your side when dealing with such a powerful and intimidating government agency.