Conlon & Fong, Attorneys at Law, is a Citrus Heights Bankruptcy Law Practice. We are committed to helping people protect their assets while discharging their debts in Bankruptcy. We will determine if Citrus Heights Bankruptcy is a viable option for you, and if so, provide proficient, accurate, and protective representation. Mr. Conlon and Mr. Fong have represented thousands of people in Bankruptcy cases, and have a combined 26 years of legal experience. We have the experience that is necessary to properly evaluate, prepare, and file your case.
Citrus Heights Chapter 7 Bankruptcy
This is the most common chapter in personal bankruptcy. Though Chapter 7 is described as liquidation, a Chapter 7 case usually permits you to get rid of debts, usually without having to lose any of your assets. Consumer debts are typically wiped out. The most common exceptions are recent year taxes, student loans, support obligations, and fines/penalties. A person filing a Chapter 7 Bankruptcy often can begin the credit recovery/rebuilding process as soon as the case is completed, about 3 or 4 months after filing.
Citrus Heights Chapter 13 Bankruptcy
Known as reorganization, a Chapter 13 bankruptcy permits you to repay debts if you feel you would benefit from repayment. One of the most common Chapter 13 objectives is to reorganize to get caught up on mortgage delinquency, over a period of 3 to 5 years. Other objectives in filing a Chapter 13 case is to pay debts not otherwise discharged, such as taxes or support, or simply to make partial payments to unsecured creditors. Because of complexities of filing Chapter 13 paperwork in the Sacramento/Modesto Bankruptcy Courts, solid knowledge of the local filing requirements is a must to successfully file and navigate through a Chapter 13 case.
If you are having financial hardship and are considering filling for bankruptcy, please call our office at (916) 971-8880 for a FREE confidential bankruptcy consultation.
Our Services
- Citrus Heights Chapter 7 Bankruptcy
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Citrus Heights Chapter 13 Bankruptcy
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