Sacramento Bankruptcy: When are there Good Reasons to File Bankruptcy?

There are lots of good reasons to file bankruptcy.  One is if you are being sued.  In particular, if you are being sued and you own a home, we encourage you to speak with one of our Sacramento attorneys.  Filing for bankruptcy stops a lawsuit and protects you from creditors who could otherwise garnish your wages or put a lien on your home.

Another good time to file bankruptcy is if your Sacramento home is going to be foreclosed or if your car is going to be repossessed.  Often a bankruptcy filing can prevent a foreclosure or repossession from moving forward, allowing you to set up a payment plan to pay those debts over time.  Sometimes Chapter 13 is a better option than Chapter 7 if your home is being foreclosed or your home is being repossessed.  Chapter 13 can protect your house and car.  

Many consumers have so much credit card debt or medical bills that it is hard for them to afford even basic necessities.  For instance, it will take 20 years to pay off a $10,000 debt with 15% interest by paying minimum payments.  Sagaria Law of Sacramento can help you to get the fresh start, guaranteed to you by law.

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