Experienced San Francisco Bankruptcy Law Firm
What makes an experienced San Francisco bankruptcy law firm experienced? Well for starters, partners Ryan C. Wood and Kitty J. Lin, combined have filed over a thousand bankruptcy cases under either Chapter 7 or Chapter 13 of the Bankruptcy Code. Mr. Wood was also the staff attorney for David Burchard, the standing Chapter 13 Trustee for the San Francisco and Santa Rosa Divisions of the Bankruptcy Court for the Northern District of California. Mr. Wood administered helped administer anywhere from 800 – 1000 Chapter 13 cases while employed with the Chapter 13 Trustee. That is what experience is. Our attorneys’ fees are very reasonable given our experience and you will get the personal service you deserve. Give a call at 1-877-9NEW-LIFE to schedule a free consultation and find out if bankruptcy is right for you.
More about why we are an experienced San Francisco bankruptcy law firm. As of the date of the writing of this (9/2014) webpage our law firm has never, yes never, had a Chapter 7 case forced to be converted to a case under Chapter 13 or dismissed pursuant to Section 707 of the Bankruptcy Code for abuse. What does this mean to you? While a past result is no guarantee of a future result our track record for determining whether a client qualifies to file a Chapter 7 case and obtain a complete discharge of their debts is 100%. That is a fact. Hopefully our track record regarding Chapter 7 cases continues indefinitely. If you do not qualify for Chapter 7 bankruptcy it is not a good idea to try and force a square peg into a round whole. A Chapter 7 case can be converted to a case under Chapter 13 if it is found that the bankruptcy filer has some sort of disposable income that can be paid for the benefit of creditors. Or, the case should have been filed as Chapter 13 case to begin with. If the United States Trustee believes there is abuse involved they will file a motion pursuant to Section 707(b) arguing that granting relief would be an abuse of the provisions of the Chapter 7. What is an example of abuse? A good example of abuse is having an expense that is not necessary for the benefit or welfare of the bankruptcy filer or their dependent.
The mass media and many people look down on people that file for bankruptcy protection. The truth is bankruptcy is following the law and legally discharging your debts. If you are reading this and feel like people that file for bankruptcy are bad for any reason you will only understand when a tragic life event happens to you and now you need to file bankruptcy. It happens every day. As an experienced San Francisco bankruptcy law firm we have filed bankruptcy for people who were millionaires for years until that all too common tragic life event changes anything. What is a tragic life event? How about: 1. Getting hit by a car while walking and you have no health insurance because you quit your job to pursue a different career; 2. You have a brain aneurism and it takes two helicopter rides and thousands and thousands of dollars to make you well again; 3. The value of your house decreases by 40% and your second mortgage that is interest only can no longer be refinanced to a fully amortized loan; 4. You get sick and cannot work any longer; 5. Your spouse leaves you and you cannot enjoy the same standard of living; 6. You lose your job and cannot find another despite your best efforts; 7. You own a business and past employee sues you for unpaid breaks . . . . . There is definitely a social benefit to bankruptcy filings. Our society does not need millions of people struggling with their debts and living expenses each month. The whole point in filing for bankruptcy is to get rid of debts so you can live a happier life not struggling to pay your bills each month.
To retain our experienced San Francisco bankruptcy law firm you need to first schedule a free consultation to discuss your income, expenses, assets and debts. We will send you an email to confirm your appointment and our Client Information Form to fill out and bring with you for the free consultation. We will also want proof of your income and any other documents you believe will be helpful. At the time you retain our services to file bankruptcy for you we will provide you with a checklist of the documents we need to prepare an accurate and complete bankruptcy petition on your behalf. Please forward copies of the required documents. We do not want any original documents in our office to be lost. Originals are for your records, not ours. Once we receive all of the attorneys’ fees and cost, then documents, it takes us approximately 7 – 10 days to draft your bankruptcy petition. Once the petition is complete we will schedule a signing appointment to review and sign the petition. After the case is filed the meeting of the creditors will be scheduled approximately 30 days after the date the case was filed. This should be the only appearance you need to make. Please give our experienced San Francisco bankruptcy law firm a call to have a pleasant and efficient bankruptcy experience.