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Financial Relief Law Center is a boutique law firm that provides our clients with unrivaled service. The benefit of a boutique firm, rather than a large mill, is direct access to our attorneys.
Bankruptcy. The bankruptcy code is a complicated area of law that experienced legal counsel should be sought. Our attorneys handle Chapter 7, 11, 12, and 13 cases throughout California and have a clear understanding of the process. After free our legal consultation, we will guide you to the right Chapter and how it will help achieve your goals. You can access our blog for information on Reaffirmation Agreements and the what you can expect at your Meeting of Creditors. Choosing the right Chapter is important in achieving your goals. Browse through each of the tabs on our website to review how each Chapter of the bankruptcy code generally works. Chapter 7 is called a liquidation and is typically the quickest Chapter toward a discharge, but not everyone is eligible and even if you are eligible it may not be the right choice for you for various reasons. Chapter 13 is often used to restructure debt and save your home. Chapter 13 has an additional benefit of what is colloquially known as a lien strip, which may allow you to strip off or avoid the junior mortgage lien on your home if it is wholly unsecured. Chapter 12 is a Chapter of the bankruptcy code reserved for farmers and fisherman. Perhaps the best perk of a Chapter 12 is the valuing of real property and modifying or adjusting the promissory note obligation down to the value of the real property. Chapter 11 clients generally have debts that exceed the secured and unsecured debt limits in a Chapter 13 and can be filed by an individual or a business. The goal in a Chapter 11 is to reorganize to allow the individual or business to continue operating while reducing liabilities. Similar to Chapters 12 and 13, real property can be valued which may allow the avoidance of a junior lien or the adjustment of a promissory note, depending on the type of property.
Call in to set up an appointment in our office for an opportunity to provide you with the time, attention, and access to attorneys that you can only expect from a boutique law firm. Our goal is to empower you to make an informed decision about whether bankruptcy is appropriate, the timing of your filing, and what chapter of the bankruptcy code meets your needs.
Family Law. Financial Relief Law Center’s familiarity with the bankruptcy code and specifically of client income, expenses, and assets, provides provides our firm with an edge in understanding the dynamics of potential property division, spousal, or child support. Our free consultation will help provide a roadmap of what needs to be done in your case to deliver the most favorable result that we can. Our approach here is to provide the best level of service and advocating our client interests while keeping costs down.
Debt Settlement Relief. If you are like many Americans in this economy you are facing an overwhelming amount of debt and looking for a solution. Here at Financial Relief Law Center we have many solutions to your debt problems. We will examine the benefits to using bankruptcy or debt settlement and help guide you to the best result. Debt settlement is the concept of settling your debt with creditors for less than what you owe to them in exchange for a release of liability. Our boutique law office utilizes trained attorneys who regularly work with all types of creditors, both large and small, to resolve our client’s debts.
Short Sales. California real estate law provides that you may be liable on a second, third, fourth, etc, priority lien on your home for a deficiency balance if the home is sold at a foreclosure auction. Our office provides clients with legal counsel to determine liability on junior liens; we are retained to then negotiate terms in the short sale transaction to reduce or eliminate liability on any junior liens. Loan Modification and Workouts. If you are having difficulties paying your mortgage or you are currently in foreclosure, you may qualify for a Loan Workout, forbearance or repayment plan. Our staff has helped many homeowners save their homes and avoid foreclosure. It is important when dealing with your most valuable asset to hire a competent firm that has the experience to deliver the results you expect and a dependable firm that will give your case the attention it deserves. When you retain our services, our staff will treat your case as if it were their own.
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