Orange County Bankruptcy Lawyer
Get Bankruptcy Advice from our Attorney in Orange County
In these harsh economic times, layoffs, stock market changes, salary cuts, wage cuts, high taxes and other financial hardships are affecting many citizens across Orange County and the rest of Southern California. Mounting bills, past-due notices, calls, letters and other harassing communications from creditors, mortgage companies and debt collectors can leave you feeling overwhelmed, upset and anxious. This is a time for action. Many people make the mistake of taking no action, hoping that it will all just "go away." We are here to let you know that there is something you can do to combat your financial situation. You have options. To find out what those are, we encourage you to contact The Law Office of Bruce C. Bridgman, Esq. today.
As a former Deputy District Attorney, Mr. Bridgman has a comprehensive and extensive knowledge of the legal system. By contacting him, you can find out more about your options in the face of overwhelming debt, creditor harassment, and foreclosure. You may be surprised to find that you have various options available to you that will provide you much-needed relief. Chapter 7 or Chapter 13 bankruptcy or even debt consolidation or negotiation may be just what you need to begin rebuilding toward a more secure financial future - even when it seems difficult or impossible under the current circumstances. Whatever your particular financial situation, the firm will help you find the best possible solution. To begin that process, we offer free case evaluations. Relief may be just a phone call away.
Chapter 7 and Chapter 13 Bankruptcy
Are you receiving harassing letters and phone calls from creditors and debt collectors? If you are fed up with these notices and are unable to meet the payments that you owe, you may want to consider Chapter 7 bankruptcy. Bankruptcy does not have to be a scary process, and an experienced Orange County bankruptcy lawyer can help the process go smoothly for you and your family. A Chapter 7 bankruptcy is also known as "liquidation" or "straight bankruptcy". The ability of the debtor to pass the means test is a key factor in being able to qualify for a Chapter 7 bankruptcy. Are you ineligible for a Chapter 7 bankruptcy? Then you may be able to file Chapter 13, where your debt will be restructured and consolidated to give you manageable monthly payments. Even though your debt is not cleared, your scheduled payment agreement might only last 3-5 years.
Benefits of Filing Bankruptcy
The top five benefits for filing either a Chapter 7 or Chapter 13 bankruptcy are:
- The Automatic Stay: The largest benefit by far because it stops almost all types of creditor collection attempts. Constant harassment is one of the largest drawbacks to owing people money. Creditors can only contact you through your Orange County bankruptcy attorney when the automatic stay is active.
- Starting the Rebuilding Credit Phase: One of the largest fears for a major bankruptcy is that your credit will take a serious hit. It will usually for a short period of time, but credit is normally bad at the time of filing in most cases. Though the bankruptcy can damage your score for a short period, the filing also clears the slate for you to build a better score in its place.
- Renewing Your Financial Slate: Bankruptcy clears you of all bad ties your choices have caused. Getting a clean financial slate and leaving the baggage behind is a very easy way to get your life back on track.
- Stopping the Loss of Income: Your money does you no good if you don’t do anything with it in the debt process. Bankruptcy allows you to regain the flow of income.
- Stop Foreclosures and Repossessions: An automatic stay is one of the only ways to allow you some more time to come up with a plan and stop foreclosure proceedings during your bankruptcy process.
The Law Office of Bruce C. Bridgman is a legal group that is dedicated to helping clients through bankruptcy, loan modification, debt consolidation, and other financial issues. With the help of a professional lawyer who is skilled and practiced in handling bankruptcy law and other areas of law that apply to your specific situation, you can get the assistance that you need to sort out your finances once and for all. You may be wondering how to eliminate debt through bankruptcy or may wish to save your home from foreclosure by completing a loan modification, deed in lieu or short sale. An attorney at our offices can talk to you about these specific options and can determine exactly how these will impact you now and into the future. With the right information, you will be able to make educated choices about your financial situation and therefore experience the full force of the advantages that bankruptcy or other forms of debt relief may have to offer you.
Practice Areas: Loan Modifications, Foreclosure Defense & More
Our law firm handles virtually any type of legal issue related to bankruptcy, foreclosure defense and debt consolidation for clients throughout the Orange County area. We are committed to providing our clients with the one-on-one attention and skilled representation that makes a difference in their cases.
Bankruptcy, loan modification, foreclosure defense and other financial issues do not have to be so overwhelming and upsetting. With the help of an educated, seasoned and effective attorney who knows the laws surrounding your particular circumstances, you can find a workable solution to your economic stresses. For some, that may mean declaring Chapter 7 or Chapter 13 bankruptcy. For others, that could involve defending against foreclosure or renegotiating a mortgage. No matter what direction your case takes you in, the Orange County bankruptcy attorneys at The Law Office of Bruce C. Bridgman will be able to provide you with the legal counsel you need.
Many people feel guilty regarding bankruptcy, or they simply buy into the many different myths that surround the subject, and they never seriously consider it as the viable solution that it is. The truth, however, is that bankruptcy can be, and often is, a strong financial solution to those who are struggling to keep their head above water. Bankruptcy can assist in clearing the slate and allowing you to move forward from previous tribulations into a brighter future. Whether you suffered from one bad decision or whether you were struck out of the blue with expenses that you could not foresee, you do not have to live the rest of your life with this level of strain. By working with an experienced bankruptcy attorney from the firm, you can begin your fight to protect your rights and start anew. With the right steps and proper level of assistance, you can straighten out your life once more.
Considering bankruptcy? Facing foreclosure? Our firm can help!
Financial problems can be upsetting and can affect so many areas of your life. If you were forced out of your home, where would you and your family live? What if your debt is consuming all of your attention and you no longer are able to enjoy yourself? This is no way to lead your life – let the legal veterans at The Law Office of Bruce C. Bridgman help you get your finances back on the right track.
Contact an Orange County bankruptcy lawyer at The Law Office of Bruce C. Bridgman if you have a financial situation in California.