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Bird & Van Dyke, Inc. - A Professional Law Corporation

Local Attorneys, Local Representation

Free Initial Consultation

Stockton 209-390-8877

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options.

Bird & Van Dyke, Inc. - A Professional Law Corporation
STOCKTON
TRACY
Contact us for a
Free Initial Consultation

PLEASE NOTE: To protect your safety in response to the threats of COVID-19, we are offering our clients the ability to meet with us in person, via telephone or through video conferencing. Please call our office to discuss your options.

Local Attorneys, Local Representation

We help clients throughout Northern California overcome their legal challenges and move forward with their lives.

A Former Prosecutor Working For You.

Our inside knowledge gives clients the edge they need to defend themselves against criminal charges.

Get Compensation After An Accident

At Bird & Van Dyke, we help clients put the pieces back together after being injured in an accident.

Meet Our Legal Team

Contact us at 209-390-8877 to schedule a free consultation.

LOCAL ATTORNEYS, LOCAL REPRESENTATION
LOCAL ATTORNEYS, LOCAL REPRESENTATION

Whether to file or not file for bankruptcy in California is a very personal decision. Chapter 7 and Chapter 13 are both consumer bankruptcy options versus Chapter 11, which is for businesses. If you have a significant amount of debt and cannot continue making loan payments while also trying to pay utility bills and buy groceries, bankruptcy may be the right option for you. Depending on the option you choose, you may have more time to make payments, lower existing payments or not have to continue repaying at all.

According to Consumer Affairs, the bankruptcy benefit that encourages many individuals to file is that it wipes out debt. It gives you the time and space to start over and plan for your future. The sooner you get started, the sooner you can begin rebuilding your credit.

Chances are, bill collectors call and harass you, causing stress. Once you file for Chapter 7 or Chapter 13, the calls should stop. It is illegal for them to demand payments from you. If credit card purchases were a weakness, bankruptcy helps by ridding you of them. You can begin developing responsible spending habits.

Although bankruptcy may be the best option, many people try to catch up and regain control of their finances. They use retirement funds, social security and other protected assets, often resulting in huge fees. This often drains finances even further and causes additional money stress. Filing Chapter 7 or Chapter 13 is not uncommon. However, it is critical to understand which option is right for you. There are also other debt-relief options. They may meet your needs better. Visit our webpage for more information on this topic.