Redwood City, California

Welcome to the San Mateo County website for Sagaria Law, a West Coast leader in the bankruptcy industry. Our Redwood City bankruptcy attorneys are produced this Redwood City bankruptcy website as a source of information and resources for the vast world of bankruptcy. It is not meant to be legal advice or be used as the final answer for bankruptcy questions, but a good starting point if bankruptcy is something you would like to look into. Our Redwood City law office currently provides bankruptcy services and legal debt settlement services to Atherton, Belmont, Brisbane, Burlingame, Colma, Daly City, East Palo Alto, Foster City, Half Moon Bay, Hillsborough, Menlo Park, Millbrae, Pacifica, Portola Valley, Redwood City, San Bruno, San Carlos, San Mateo, South San Francisco, and Woodside.

Bankruptcy is a long recognized form of legal debt relief for regular people. The Federal Government recognized that some people just get in over their heads and they cannot get out of debt no matter how much of their salary they pay. These people may have gotten hurt and incurred staggering medical bills they cannot repay. They may have gotten into legal trouble, such as car accident, which resulted in judgments they cannot pay. They may even have started a business which never took off and ended in mountains of debt. Finally, they could just be a consumer who lived the life of easy credit until they lost their job and can't make the bills. It doesn't matter what the reason for the debt, Bankruptcy is an option.

Bankruptcy covers a large spectrum of solutions which are separated by chapters. While there are many Chapters for bankruptcy, the two most common for consumers is Chapter 7 and Chapter 13 bankruptcy. A Chapter 7 bankruptcy is meant to be a liquidation of assets and a total discharge of unsecured debt. That means the Federal Bankruptcy Court will discharge (or get eliminated) all of a person's unsecured debt (such as credit cards, medical bills, judgments, back rent, repossessions, personal loans, and even some taxes) after the court processes the paperwork. In return the person agrees to liquidate assets that have some value (although the person will be allowed to keep some items such as clothes, car, and some amount of personal effects/savings).

In a Chapter 13, the person in debt agrees to repay a portion of the debt they owe over a 3 or 5 year payment plan with the government. The Bankruptcy Trustee will collect a monthly payment from the person and pay all the creditors over the course of time. The amount or percentage of payback is based on what the person earns. There is no negotiation with each individual creditor as the government just sets a pay back percentage. The Chapter 13 bankruptcy will allow a person to keep their house and/or cars.

The law does not require that you hire a bankruptcy attorney to file your bankruptcy. However if you opt for someone such as a paralegal - they are not allowed to give legal advice (by law) and their advice is not binding to them because they are not lawyers. Experience is a strong indicator of how well your bankruptcy will go. Sagaria Law has done thousands of bankruptcies. Call us today to find out why we should handle your bankruptcy or legal debt settlement case. Your consultation awaits.

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