Bankruptcy Attorneys in Sacramento, Riverside and Stockton

Attorney Debt Reset Inc

1300 Ethan Way #125
Sacramento, California 95825-2226
USA

(916) 446-1791 or (877) 273-7383

(916) 446-1742

www.attorneydebtreset.com

Send an email

Published Articles

Firm's Videos

Law Firm Overview Free Consultation

At Attorney Debt Reset, with locations in California, we focus exclusively on representing people facing financial trouble. We help people with many different kinds of debt:

• Credit card debt
• Payday loans
• Medical bills
• Personal loans
• Loans from family or friends
• Mortgage loans
• Car loans
• IRS tax debts

Our lawyers are dedicated to helping people in the greater Sacramento, Riverside and Stockton areas, along with all of the surrounding communities and throughout California, become debt free. Contact us today and we will help you push the reset button on your debt for good.

At Attorney Debt Reset, your financial success is our number-one priority. We make sure that you understand all of your options – whether that means negotiating with your creditors for a debt settlement, filing for Chapter 7 bankruptcy, filing for Chapter 13 bankruptcy or negotiating with the IRS as part of our tax resolution program.

We go out of our way to make sure that you are educated and informed about the entire debt relief process. Our attorneys have big firm experience combined with small firm customer care. We pay attention to every detail so you don’t have to, and we make sure that all your concerns are addressed.

Our attorneys’ experience includes having attended Max Gardner’s Bankruptcy Boot Camp, a leading consumer rights litigation boot camp that provides in-depth training and connects us to a network of experienced bankruptcy lawyers across the country. Our attorneys’ experience also includes attending Pete Barry’s Fair Debt Collection Practices Act Boot Camp, learning how to take action against harassing debt collectors. Our clients benefit from the vast knowledge that our attorneys have gained by attending these training camps as these camps were put on by some of the brightest and sharpest attorneys in the country in their respective fields of bankruptcy and debt collection defense law. Finally, our attorneys have helped hundreds upon hundreds of clients resolve or settle their tax debts with the IRS.

Practice Areas

Insolvency

Additional Practice Areas: Creditor Harassment; Offer in Compromise; IRS Installment Agreement; IRS Bank Levies; IRS Wage Garnishments; Chapter 7 Bankruptcy; Chapter 13 Bankruptcy; Debt Settlement; Loan Modifications; Reaffirmation Agreement; Repossession; Wage Garnishments.

Practice Areas Description

- Chapter 7 Bankruptcy

If you are overwhelmed with bills that you cannot pay, Chapter 7 bankruptcy may just be the best financial decision you can make. Chapter 7 bankruptcy really does allow you to push the reset button on your debt and start fresh. At Attorney Debt Reset, we can help. Our California law firm is dedicated to guiding people through the bankruptcy process. We often begin by explaining to our clients exactly what Chapter 7 bankruptcy entails.

- Chapter 13 Bankruptcy

Chapter 13 bankruptcy is a court-ordered debt consolidation plan, which requires that you pay your creditors a specified amount each month. How much you are required to pay is determined by the amount of money you make – your gross income. Even though chapter 13 bankruptcy requires you to make a monthly payment on your debt, there are many reasons why chapter 13 can still be a very good solution to your financial problem. At Attorney Debt Reset, we can guide you through the process. Our law firm is dedicated to helping people reset their debt. We use legal and financial knowledge to help our clients resolve their financial problems.

- Debt Settlement

Even if bankruptcy is not the right fit for you, Attorney Debt Reset can still help you get out of debt. Whether you are behind on your debt payments, being sued by a creditor, or simply cannot handle the stress of your debt obligations, our California, law firm is here to help. At Attorney Debt Reset, our attorneys are skilled negotiators who are trained to use various federal and state laws in defending your consumer rights. We may be able to settle your debt for a mere fraction of what you owe.

- Creditor Harassment

Seeking a lawyer’s help can be the best way to stop creditor harassment. Under the Fair Debt Collection Practices Act and the California Rosenthal Act, it’s against the law for your creditors to contact you if you are being represented by an attorney. At Attorney Debt Reset, our attorneys will aggressively represent you to help stop harassing creditors from contacting you. We can negotiate with your creditors inside or outside of bankruptcy. If bankruptcy is the right option for you, we may be able to restructure your loan through a Chapter 7 or a Chapter 13 bankruptcy.

- Loan Modifications

If you are having problems making your mortgage payments, a loan modification may be an option for you. At Attorney Debt Reset our experienced attorneys can get you the help that you need. A loan modification is a transaction where your mortgage lender agrees to modify some of — or all of — the terms of your mortgage. In loan modification, the existing agreement is changed, but not cancelled. These changes may include a wide range of things:

• Reducing the principal balance of your mortgage loan
• Extending the term or repayment period of the loan
• Changing the amount of monthly payments
• Changing the interest rate on the loan

- Reaffirmation Agreement

Once you file bankruptcy, you are no longer personally liable for the debt. In order to survive the bankruptcy, that debt has to be reaffirmed. A reaffirmation is an agreement to pay the debt according to the terms of the original agreement. The reaffirmed debt is then legally enforceable by the creditor until it is paid. If a reaffirmation is not signed and filed with the court in a timely manner, you may not be held responsible for the debt you dismissed in personal bankruptcy.

At Attorney Debt Reset our consumer bankruptcy attorneys represent people facing financial problems by helping them push the reset button on their debt. Often, we are asked whether or not our clients should sign a reaffirmation agreement with a creditor. The answer depends on your personal situation but many may not want to sign the reaffirmation agreement, because it makes them personally liable for the debt.

- Repossession

Facing the possibility of losing your car or other possessions can be frightening, but many people don’t know that bankruptcy can stop repossessions. At Attorney Debt Reset we can help. Our law firm offers legal help for people with financial trouble. We can often help in several ways:

• Our lawyers may be able to file for bankruptcy before your car is repossessed.
• We can also negotiate with your creditor to reduce the principle balance or change the credit terms.
• If you have had your car repossessed recently and want to file a chapter 13 bankruptcy petition, we can also make a motion in court to have the car returned to you.

- Wage Garnishments

Wage garnishment is a legal ruling that allows your creditors to take a certain percentage of income directly from your paycheck. For people who are already struggling to make ends meet, it can make paying bills impossible. But you can take action to prevent it from happening. At Attorney Debt Reset we can help you stop wage garnishment by filing for personal bankruptcy. Bankruptcy can stop a wage garnishment immediately, but the case must be filed to actually stop it. That is why it is critical to talk with an attorney as soon as you believe that your wages may be garnished.

- Stop Foreclosure

Do not allow your home to go into foreclosure, short sale, or deed-in-lieu of foreclosure without talking to us first. There could be serious tax consequences if you allow this to happen. Just because the lender may be agreeing to forgive your debt does not mean the IRS feels the same way. We will make sure your structured deal will also minimize your tax liability. If you have fallen behind on your mortgage payment, our experienced attorneys can get you the help that you need. We provide foreclosure defense by filing bankruptcy petitions, pushing the sale date back and helping you get caught up on your arrearages.

- Offer in Compromise

An Offer in Compromise is a settlement with the IRS. In other words, the IRS agrees to wipe away the debt for less than the total amount owed. Getting an Offer in Compromise accepted can reduce the amount you have to pay by thousands or even tens of thousands of dollars. An Offer in Compromise can provide you with many other financial benefits. For example, an accepted Offer in Compromise will release tax liens the IRS has filed against you and your property. Also, while the IRS reviews your Offer in Compromise the IRS may not start wage garnishments, bank levies, or other property seizures. In other words, you are protected from aggressive IRS collection actions while the IRS considers your Offer in Compromise. This protection is important because the IRS usually takes several months to consider an Offer in Compromise–an amount of time most people just cannot afford to see their paycheck taken.

- IRS Installment Agreement

An Installment Agreement is simply a monthly payment plan with the IRS. There are several different kinds of IRS Installment Agreements. Some are based on what you can afford and some are based on what your debt amount is. Knowing which one is right for you can take careful investigation. Getting the right Installment Agreement can save you hundreds or thousands of dollars every month. Did you know that certain Installment Agreements allow you to pay much less than your full debt to the IRS? Contact us to see if you qualify for this kind of Installment Agreement.

- IRS Bank Levies

An IRS bank levy is an order the IRS sends to you bank to freeze all the money you have in all the accounts you have at that bank. The bank must send that money to the IRS unless the bank receives a release of the levy beforehand. The IRS can send levies to any and all bank accounts your name is on as an account holder, even if the money in the account is not yours. IRS bank levies can cause checks to bounce and payments to be missed. But bank levies can be avoided and even released.

- IRS Wage Garnishments

An IRS wage garnishment (wage levy) is an order the IRS sends to an employer instructing the employer to send part of your paycheck to the IRS. Oftentimes, the IRS will garnish more than half of paycheck. Also, the IRS does not hesitate to garnish wages to collect debts. If the IRS has garnished your check, you know how devastating it can be to your finances. Many people will agree to payment arrangements they cannot afford simply to get a wage garnishment removed. But this often results in continuing financial distress.