James Steven McCarthy Attorney  

Chapter 7 Bankruptcy

Want A Fresh Start? We Can Help You Stop:

* Home Foreclosures

* Credit Card Debts

* Law Suits

* Wage Garnishments

* Harassing Phone Calls

Chapter 7 allows you to typically keep all of your property. As long as your car and mortgage payments are current, and there is no significant equity in your property, we should have no problem making the arrangements for you to reaffirm the debt. Keep your home, keep your car, keep your personal belongings, but eliminate your debt; that is our goal!

Chapter 13 Bankruptcy

Chapter 13 bankruptcy allows a person to consolidate the debt while making convenient monthly payments to a trustee. A payment plan is proposed which repays the debt over a three to five year period. The amount of the monthly payment and the length of the repayment plan is based upon the following factors:

• Monthly Income
  
• Monthly Expenses
  
• Amount of Debt
  



We can assist you today in putting an immediate stop to wage garnishments, collections, and home foreclosure through bankruptcy's automatic stay. We will also help get you back on your feet with a plan for a new financial future. We offer an affordable alternative to continuing on the path of increased debt and sleepless nights. We specializes in consumer bankruptcy and debtor's law. We will aggressively pursue an outcome that allows you to retain as much of your assets as possible, and return to financial freedom and peace of mind.

We handle most of the greater bay area. Call us today for a consultation!