Law Firm Helping You Get a Fresh Financial Start

When your bills are out of control, and you have no hope of relief, filing for bankruptcy can be an option for a fresh financial start. Many people face economic problems due to a divorce, expensive medical bills, or job loss. The stress and anxiety are made worse by the constant creditor calls and letters. When you file for bankruptcy, all creditor actions stop at once, which is life-changing. 

What Can Bankruptcy Do for Me?

Filing for bankruptcy can be the last resort for those who have unmanageable debt. When you risk losing your home and car and can’t catch up on late payments, you may not know where to turn for help. We take these cases with a compassionate approach at Equal Justice Law Group. We understand that good people can face financial problems through no fault of their own, and we are here to help you get on the road to financial freedom. 

When is Filing Bankruptcy the Right Move?

The federal Bankruptcy Act was written to allow those who can’t pay their bills to start over, fresh. Chapter 7 bankruptcy allows you to “discharge” or eliminate unsecured debt. Unsecured debts can include the following:

• Credit card debt – Balances, interest, and late fees from credit accounts.
• Medical bills – Unpaid hospital, doctor, or treatment costs not covered by insurance.
• Personal loans – Loans from banks, finance companies, or individuals without collateral.
• Payday loans – Short-term, high-interest loans often rolled over into larger balances.
• Utility bills – Past-due electricity, gas, water, phone, or internet service charges.
• Rent arrears – Overdue payments owed to a landlord for residential or commercial leases.
• Business debts (without collateral) – Debts from sole proprietorships or partnerships not tied to business assets.
• Deficiency balances – Remaining amounts owed after repossession of a car or foreclosure of property.

Imagine the feeling of freedom you could achieve when you know you will no longer face creditor calls and letters, and you are free of debts you can never hope to pay off. That’s the beauty of the system, and it was created for people just like you. 

Our Approach to Bankruptcy: Compassionate Care

Filing bankruptcy is a last resort and may be necessary if other negotiations have failed. When your home and vehicle are at risk, it can pose a real danger to your ability to earn a living. When you file for bankruptcy, you have the chance to move forward. Our approach differs from many law firms, as we are committed to compassionate care. We don’t use legal jargon but explain everything in easy-to-understand language. We work closely with our clients at every step and are honored to be considered a trustworthy and experienced bankruptcy law firm serving the Northern California region.

Our Founder: Decades of Experience in Bankruptcy Court

Bankruptcies are handled in specific courts in Northern California. Our founder and lead attorney, David Foyil, has three decades of experience serving the communities in Northern California in Chapter 7, Chapter 11, and Chapter 13 bankruptcies. He has acted on behalf of clients in various bankruptcy court locations, including at the four divisional offices serving Alameda, Contra Costa, Del Norte, Humboldt, Lake, Marin, Mendocino, Monterey, Napa, San Benito, San Francisco, San Mateo, Santa Clara, Santa Cruz, and Sonoma counties. His knowledge and experience can provide you with an exceptional level of support, along with compassion and understanding.

What Are the Benefits of Bankruptcy?

The word “bankruptcy” tends to scare people, but it is a great legal and financial solution to overwhelming debt and has many benefits! However, it can be confusing and complicated to navigate. If you need a way to get a fresh financial start, the experienced Northern California bankruptcy attorney at Equal Justice Law Group will work to explain and simplify the process so you can find peace of mind. Call today to Book A Consultation.

Equal Justice Law Group Will Work With You To File For Bankruptcy Without Mistakes & Get The Clean Slate You Need To Succeed.

There are many myths about bankruptcy. You may think, based on things you’ve heard people say or things you’ve seen online, that it’s an action that will seal your financial doom; that it’s an indicator of your financial irresponsibility and a sure sign that you have failed; that it will ruin your credit forever, and that you will forfeit everything you’ve worked for. However, none of that is actually true.

Bankruptcy is simply a legal way to eliminate debt so you can get back on your feet. Americans are facing unprecedented economic times, and even the most hardworking person can, due to an unexpected illness, job loss, or other unfortunate circumstances, find themselves drowning in debt. Filing for bankruptcy allows you to stop creditors and start rebuilding your credit without necessarily having to lose all of your possessions.

Is it Time for Real Financial Relief?

Filing for bankruptcy can bring you real relief. The benefits include:

• Immediately halts creditor harassment
• Immediately halts any collection actions (such as foreclosure, wage garnishments, repossession, etc.)
• Can immediately begin improving your credit score (by lowering your debt-to-income ratio as debt is discharged)
• Puts an end to growing debt
• Protects exempt property from being sold
• Gives you more time to pay off debt (in some instances)

Why Choose Us?

Because bankruptcy has a lot to do with understanding legal procedures, filing paperwork, negotiating with creditors, and communicating with the court, your ability to secure favorable terms depends on the skills of your bankruptcy attorney. Equal Justice Law Group can guide you every step of the way. Our extensive knowledge of bankruptcy law can give you an advantage. Our Northern California bankruptcy lawyer will take the time to get an accurate analysis of your financial situation so we can advocate for the ideal resolution that will lay a strong foundation for your future success!

Rely On Our Northern California Bankruptcy Attorney To Help You Choose The Best Way Forward.

There are several types of bankruptcies. Which type you should file for or are eligible to file for depends on your unique financial situation.

Chapter 13 bankruptcy

Chapter 13 bankruptcy, also known as a reorganization bankruptcy, is designed for people who have regular income and can pay back some of their debt. Some debts can be settled with creditors for less or discharged entirely. A payment plan will be set up by the courts for the rest, usually for three to five years.

Chapter 7 bankruptcy

Chapter 7 bankruptcy, a liquidation or straight bankruptcy, is designed for people who fall under a certain means threshold and do not have the income or resources necessary to pay off their unsecured debts. Some possessions may need to be sold to pay off creditors (but not usually cars, retirement accounts, clothing, household goods, and other property that falls under state or federal exemptions). Debts that cannot be repaid will be eliminated.

Chapter 11 bankruptcy

Chapter 11 bankruptcy is similar to Chapter 13 but is designed for businesses (though it is technically available for all). This form of bankruptcy allows companies to operate while the debt is restructured and repaid.

Filing for bankruptcy is a complex process that requires a thorough knowledge of bankruptcy laws at the federal and state levels. Any mistakes made along the way can cause you to be rejected and make your financial situation worse. Equal Justice Law Firm can help you do it right the first time and assist with any appeals if necessary.

When Debt Is Piling Up, Exploring Your Bankruptcy Options Can’t Wait. Call Equal Justice Law Group Today To Book A Consultation!

Staying in debt can negatively affect your credit, happiness, close relationships, and quality of life. The sooner you can get out of debt and start rebuilding credit, the sooner you can move forward and achieve your financial goals, which is why you need to consult with a bankruptcy lawyer and learn if filing is the right option for you! 

Equal Justice Law Group won’t merely advise you on what steps to take; our Northern California bankruptcy lawyer, David Foyil, will take the time to invite you into the process. During your consultation, you can meet our compassionate, friendly team members, ask questions (without judgment or shame), learn about your options without confusing legal jargon, and learn about whether this process is right for you. We have offices in Sacramento, Jackson, and El Dorado Hills for your convenience. Call our law firm to schedule your initial consultation and get started.

Equal Justice Law Group, Inc., Sacramento
3626 Fair Oaks Blvd, Ste 100
Sacramento, CA 95864

Equal Justice Law Group, Inc., Jackson
601 Court St, Ste 106
Jackson, CA 95642

Equal Justice Law Group, Inc., El Dorado Hills
1020 Suncast Ln, Ste 101
El Dorado Hills, CA 95762

Please schedule a consultation with us at one of our locations. Reach out to us by phone or using our online form. We are ready to help you at one of our two convenient offices: 

Jackson, CA: 209-699-8508
Sacramento, CA: 916-884-2179