Chapter 7

Eliminate Debts And Move Forward  .  .  .

If you are struggling with debt problems, bankruptcy may be the answer for you.

Bankruptcy has allowed millions of Americans to break free from the revolving door
of unmanageable debt and find a new path to a brighter financial future. A Chapter 7 bankruptcy will enable you to:

  • Eliminate most categories of unsecured debt, including credit card and medical bills
  • Stop lawsuits and other creditor harassment
  • Stop a wage garnishment
  • Assist with tax-related problems
  • Obtain other critical debt relief

With a Chapter 7 bankruptcy, you may completely discharge credit card bills, medical bills and most other types of consumer or business debt. You may even be able to discharge certain tax debts and judgments.

To learn more, contact Evans Law Offices in San Jose or Santa Cruz. We also provide services to residents from neighboring counties throughout Northern California.

Our attorneys have handled thousands of bankruptcy cases. We can provide the skilled and knowledgeable representation you require. If bankruptcy is not right for you, we also provide debt settlement services.

Immediate, Effective Relief From Collections And Creditor Harassment

Chapter 7 bankruptcy provides swift relief from creditor collection efforts. When your bankruptcy petition is filed with the court, an automatic stay order goes into effect that temporarily halts most creditors from taking any further collection activity against you. The automatic stay will help put a stop to collection calls, wage garnishments, ongoing lawsuits and other adverse collection measures.

The automatic stay will not bar all creditors, and limited creditors may seek permission of a bankruptcy court to pursue certain claims. However, the automatic stay puts a halt to most forms of creditor collection efforts. The stay gives the Debtor time to sort through issues of reaffirmation for secured debt if applicable, and redemption or replacement financing for vehicles. Time is also given to allow for preference litigation, or judgment lien stripping.

Do Not Delay: A Bankruptcy Lawyer Can Help

You do not have to continue living in fear of that next collection call, that next harassing collection letter or that next attempt by a creditor to collect on your debt. You do not have to go through this alone. We are here to help.

Call Us Today For A Free Consultation

We serve clients throughout Northern California. To schedule a free consultation with a bankruptcy lawyer at our firm, call 408-298-8910 or 831-998-8144 or contact us by email. Evening and weekend appointments are available upon request.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.