Bay Area Bankruptcy Attorney
Marty K. Courson, is a San Francisco bankruptcy lawyer, practicing California bankruptcy law. As a bankruptcy lawyer in San Francisco, Mr. Courson primarily represents consumers in Chapter 7 and Chapter 13 bankruptcy cases and practices in all Bay Area bankruptcy courts (From San Jose to Santa Rosa).
This San Francisco bankruptcy lawyer understands the changes in bankruptcy law. HERE IT IS - PLAIN AND SIMPLE: the vast majority of people that qualified for a Chapter 7 under the old law still qualify under the new. PERIOD.
Congress did a major overhaul of the bankruptcy laws in 2005. Chapter 7 bankruptcy (sometimes called a "straight bankruptcy") was not eliminated. What Congress did do was make filing a bankruptcy procedurally more complex and expensive. But that is why a person hires a competent Bay Area bankruptcy attorney, to cut through the complexity and usher you to your FRESH START.
To avoid the stigma of bankruptcy, people sometimes throw money down the pit for years thinking that will somehow help their credit score. What they often accomplish is to merely continue their bad credit longer. Instead, they could have hired Mr. Courson, a San Francisco bankruptcy lawyer, and using Chapter 7 bankruptcy laws, they simply pull the teeth from their creditors and start fresh; they could have been using that money to save for their retirement or feed their children or to simply have a LIFE.
Because of the perceived stigma, people often fall victim to debt settlement and negotiation schemes where all they accomplish is giving their money to strangers and find that they get sued by one or more of their creditors anyway. Had they just talked to a qualified bankruptcy lawyer in San Francisco, they might have avoided prolonged and costly misery.
Bankruptcy can help some people INCREASE their credit score substantially in relatively short order (2 to 4 years). Hiring a San Francisco bankruptcy lawyer is often the shining light at the end of the tunnel, not the death knell as many people (big banks and other creditors) have stigmatized it. If getting rid of a mountain of debt and stopping lawsuits, garnishments and harassing phone calls is a result you want, then the services of a good Bay Area bankruptcy attorney may be the solution to your problem.
Most people are concerned that they will "lose everything" if they file a bankruptcy. The truth is, with the generous exemption scheme for property in California, almost 98% of bankruptcy debtors keep everything. Everyone has different property combinations and you really need a San Francisco bankruptcy lawyer like Mr. Courson, to advise on what is exempt and what is not.
How can this San Francisco Bankruptcy Lawyer help you?
If you are an ordinary California renter, owning basic household goods and possessions, jewelry worth $3,000, a car with $5,000 in equity, a 401k worth $50,000, and $10,000 of good old cash in the bank – ALL WOULD BE EXEMPT. The important thing is to consult with a Bay Area bankruptcy attorney to:
- Minimize the amount you have to pay to creditors.
- Maximize the property you get to keep.
There is much false information floating around about bankruptcy. If you live in the greater Bay Area and want to understand your bankruptcy options, then call Marty K. Courson, a San Francisco bankruptcy lawyer at 415-433-3100. The initial consultation for prospective bankruptcy clients is always FREE. Click here to learn More About Bankruptcy.
