Bankruptcy Lawyer in Carmichael CA

The Law Office of Barry H. Spitzer has been helping Carmichael and greater Sacramento area clients for over 20 years now. Over the past two decades, I have fought for the rights of my clients and helped clients truly achieve financial debt relief. Let me stop harassing calls and debt collectors. Call me today at (916) 442-9002.

Carmichael Bankruptcy

Filing for bankruptcy is not something anyone wants to go through, but if you are struggling with debilitating debt, filing Chapter 7 bankruptcy could be the right move for your financial future. Many individuals in the greater Sacramento area and Carmichael who are struggling with overwhelming debt choose to file Chapter 7 bankruptcy, a debt relief option that effectively discharges all unsecured debts, including medical bills, credit card debt, personal loans, and debts from foreclosure and vehicle repossession.

Who can file for bankruptcy?

It is important to understand that any person can file for bankruptcy protection from creditors. In addition, most businesses and charitable organizations may also qualify for bankruptcy protection. If you have questions about your situation I would be happy to help you. Contact me today for help!
Client Testimonials
"Thank you for your time and representation in the matter of outstanding fees due to me. Your professionalism is much appreciated."
What is Chapter 7
A Chapter 7 bankruptcy is commonly referred to as a “liquidation” bankruptcy. The trustee takes any non-exempt property from the debtor and sells it, and distributes the proceeds to the creditors on a proportionate basis. The court then issues a discharge. It is not uncommon, especially in California for the debtor to not own any non-exempt property, and therefore, the trustee takes nothing.
What is Chapter 13
A Chapter 13 bankruptcy proceeding lets you rearrange your financial affairs, repay a portion of your debts and put yourself back on your financial feet. The typical reasons for filing a Chapter 13 bankruptcy include saving a house in which you are in arrears, payment of back taxes, alimony or child support. You repay your debts through a Chapter 13 payment plan with monthly payments sent to the trustee. 
What is Bankruptcy?
Bankruptcy is the legal method for a debtor to “discharge” or obtain relief from the debts that my be owed. While no debtor is guaranteed a total and full discharge of their debt, most debtors who file for bankruptcy are given such relief. One of the primary purposes of the bankruptcy act is to relieve the honest debtor from the weight of oppressive indebtedness and to provide the debtor with a fresh start.

Law Office of Barry H. Spitzer

I have been practicing bankruptcy law since 1992. I have successfully represented debtors, creditors and Chapter 7 trustees through the bankruptcy process. By representing all sides of bankruptcy cases, I have a unique prospective on how I can best assist you.
980 9th Street, Ste 380
Sacramento, CA 95814
(916) 442-9002
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