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San Lorenzo, California Bankruptcy Attorney
Bankruptcy Attorneys Serving the Citizen of San Lorenzo
San Lorenzo, one of the Nation’s first planned communities, is a lovely little town full of homes, schools, and parks. San Lorenzo is part of the San Francisco Bay area and located within Alameda County. San Lorenzo is full of responsible citizens who work hard to provide for their families each and every day.
It is not uncommon in San Lorenzo for a resident or business to have to deal with a bankruptcy. Around the state of California people are seeking the protections that bankruptcy can afford them while they attempt to organize their finances and conscientiously pay back their debts.
The Law Offices of Melanie Tavare is located easily accessible to all the citizens of San Lorenzo. This skilled legal team focuses only on the handling of bankruptcy cases and helping the residents of the San Francisco Bay area find a fresh financial start.
Experienced and Professional Legal Advocates in San Lorenzo
Bankruptcy can be a stressful process. Although it is time consuming, an experienced and professional bankruptcy advocate can elevate from you much of the tension that can sometimes come along with this experience.
Bankruptcy Options in San Lorenzo
For those San Lorenzo citizens and business that decide that filing for bankruptcy is the right decision for them they will have two options in regards to how they file their bankruptcy petition with the court.
The first option is to file for a Chapter 7 bankruptcy. Chapter 7 bankruptcy is really a liquidation, or sale, process. The bankruptcy trustee assigned to your case will sell all your non-exempt assets in order to at least partially pay back your creditors.
Maybe people are concerned with the liquidation option because they fear that all of their personal belongs will be sold and they will be left with nothing. Fortunately, the state of California has provided quite an extensive list of personal assets that are exempt from sale and that the debtor is entitled to keep.
A Chapter 7 bankruptcy can be completed and discharged within three to six months of the debtor’s initial filing.
The second option is to file for Chapter 13 bankruptcy. Chapter 13 bankruptcy is often referred to as a “reorganization” of the debtor’s finances. There is no sale of the debtor’s assets – instead, the debtor agrees to a court-approved repayment plan.
Under this plan, the debtor agrees to pay back his or her creditors over a period of three to five years. The debtor must submit monthly payments to the bankruptcy trustee and are based on the debtor’s current income. The trustee will then hand the payment over to the creditor.
The Law Office of Melanie Tavare is here to represent you today
We work directly with our clients to make sure their bankruptcy experience goes as smoothly as possible. If you are ready to take the first steps toward a fresh financial future, contact the Law Office of Melanie Tavare now. You can reach us by phone at 510-255-4646 or online.
"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."