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08 Jul, 2024 by Ajeet singh
I live in the Sacramento Area, but I used to live in the Bay Area, where I found the firm. They were really responsive, detailed, and caring.
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08 Jul, 2024 by Hu gui
After getting married, I needed to remove the conditions on my green card. Kyle helped me with form I-751 and my interview. The office even had a nice Chinese New Year display.
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08 Jul, 2024 by Victor mondragon
Compassion, Communication and Knowledge, A clear guided experience! I cant express the gratitude I feel for the Peace of Mind brought by their knowledge. As a father, I always look for the best help for my family and I when it comes to situations that can get or have gotten out of control. Clear communication and understanding of the situation is what we wish for in desperate moments. Right from the first conversation had with them, you will feel the security and confidence of dealing with true professionals. Making things clear is crucial in situations as such, this was provided right from the beginning. The options provided to solve your situations are clear and explained in simple terms. Attention to detail is always present, no matter the questions or concerns had. Highly recommend De Castroverde Law group for does want the right assistance in this unexpected and expected difficult situations.
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08 Sep, 2020 by Anonymous
Geva Baumer was so helpful, patient, easy to understand in guiding me through my recent legal problems. I have never felt so at ease with an attorney’s assistance as I have with Geva. Unfortunately, I have had exposure to many attorneys. Without any hesitation I would recommend Geva Baumer to others and call upon him again. On a scale of 1 to 10, Geva is that true, rare 11. Great job Geva!
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27 Apr, 2017 by David
Geva has been a godsend as my wife and I fought for years to keep our home out of foreclosure by two predatory banks. He even went the extra mile through uncharted waters forcing a settlement with one of the biggest banks known for trampling on and taking advantage of vulnerable home owners. I feel blessed to have found this talented bankruptcy attorney who cares. I love this guy!
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07 Dec, 2016 by Anonymous
Geva provided great advice and assistance on a tricky debt collection. I am grateful for his time, effort, and kindness on my case. You can trust his judgement and solutions. Highly recommend his honesty and patience.
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05 Jun, 2011 by Robin
I worked with Ms. Stevenson and assisted her in the preparation of Chapter 7 and 13 bankruptcies. She is knowledgeable and highly respected in the field of bankruptcy law. She is personable and treats each one of her clients with respect and importance. I recommend her to anyone in need of filing bankruptcy.
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04 Apr, 2011 by Nicholas padilla
My Dad had just lost my Mom and was forced to file for Bankruptcy. I was lucky enough to find Joanna through my employer and she could not have been more helpful or understanding of our situation. We previously had dealings with a CPA who charged us for every phone call and every email. Joanna was always available to answer any questions my father or I had. I can't tell you how difficult it is to go through the process of bankruptcy and its nice to know that Joanna was there to help guide us. Thank you so much Joanna for all your help!
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09 Mar, 2011 by Janine
My husband and I had to resort to filing bankruptcy due to extreme medical bills we incurred. We didn't know anything about the process. We were referred to Legal Helpers through a family member. Our case was assigned to Joanna Stevenson. Joanna was not only pleasant, she took her time to explain the process of bankruptcy. She went over our paperwork page by page to determine which chapter would best suit us. Noone really wants to resort in filing bankruptcy, Joanna made us feel at ease about going forth with it. She never did anything without explaining it to us and always returned calls or emails on a timely manner. We feel she has such tremendous knowledge but more importantly we felt she cared about us and our case and was there every step of the way. We would definitley recommend Joanna to anyone who needs a bankruptcy attorney.
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17 Apr, 2022 by Jessica
Darya made the process of filing Chapter 7 bankruptcy as stress-free and simple as possible. She was always there to answer any questions I had and worked with me to file all the necessary paperwork on my behalf. She always made me feel reassured and prepared for each step of the filing process. Darya helped me have a second chance and helped me out of a very stressful financial situation. I really appreciate all she did for me and would recommend her to anyone.
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24 Feb, 2022 by Anonymous
Darya represented me as my attorney for Chapter 7 Bankrupcy, At first I was scared to consult with anyone about this topic. I spoke with her and after some easy question and very direct i said yes please help me file a case. She was very clear about what was needed. I recommend her.
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29 Dec, 2021 by Anonymous
Darya helped me navigate the complexities of bankruptcy with a kind professionalism. She made the process straightforward and logical. The bankruptcy process took far less time than I would have imagined and was far less complex than I had though. I would highly recommend her services if you are considering bankruptcy.
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04 Jan, 2022 by George
When when my wife and I first came across Jake we were jaded from bad experiences with previous attorneys who truly could have cared less about prioritizing our interests. What Jake did upon the first conversation was put our minds at ease by letting us know the options rather then pressuring us to make an inappropriate decision (simply to get us out the door). Most of all, EVERYTIME we had a question, concern, or issue, Jake was never further than a phone/email/text away from getting back to us, sometimes it took a few hours but we was ALWAYS got a sufficient and timely response. When we had our hearing with the trustee it went surprisingly smooth because Jake had prepped our paperwork and situation in such that our position was crystal clear to the trustee. Bankruptsy is a really tough experience on a family. My wife and I would recommend to anyone needing these services to find an attorney that can keep the situation and details concise so that everyone understands at all moments what is going on. We can not express how helpful Jake was in informing throughout the process, enabling us to, quite frankly, keep it all together. THANKS JAKE!
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12 Aug, 2020 by Brian
Working with Jake was great. From the first phone call on through the discharge, he was patient with me, clearly explained my options, and answered all my questions. He also made sure that I understood everything that I needed to do myself. Working with him ended up being one of the best decisions I've ever made. Life is so much easier now and I feel like I've got a fresh start thanks to Jake.
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05 Jun, 2012 by Anonymous
What a great group of people the Kostopoulos team is. They were the most prepared lawyers at our trustee meeting. They helped me through the most difficult time in my life And didn't let me feel like a failure. I have my life back! I will never forget their kindness .
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12 Feb, 2012 by Jose
I was referred to Stan by a friend of mine. He did a very good job. I had no problems on my case.
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28 Aug, 2024 by Alex
I had the pleasure of working with a remarkably talented and influential attorney who truly exceeded my expectations. Thanks to his exceptional legal expertise, I was able to successfully handle all my legal matters. I highly recommend him to anyone in need of legal assistance, as he has proven to be a true miracle worker for me and my family. He is truly a prominent figure in the field and I am grateful for all his help. I strongly urge you to consider him for any of your legal concerns - you will not be disappointed. Best regards, Papa George
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08 Jul, 2024 by Ryan
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27 Jun, 2024 by Keisha ratcliff
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03 Nov, 2015 by Anonymous
Anh H. Nguyen has successfully lowered my bankruptcy plan payment to an affordable amount that my reduced retirement income could afford. I appreciate her fierce commitment to help me with my bankruptcy matter. Although I do not plan to be in bankruptcy in the near future, Anh will be my attorney for life.
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24 Sep, 2015 by Joanne
My prayers were answered when I found Anh Nguyen. She thoroughly understood my personal hardships & promptly responded to my legal needs. Her valuable knowledge, excellent legal counsel and representation exceeded all expectations. 'Many Thanks' for making a difference!
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30 Aug, 2015 by Rosa
I'm so grateful that I called Anh. She took my case, guided me through the unfamiliar legal loops. She helped me save my house and I am no longer in bankruptcy thanks to her. Anh is great to work with and provided excellent support throughout the process. Anh knew exactly when to give me the cold hard facts, a sympathetic ear, and comic relief. She is All that, and more, in a lawyer. When ever you are in need of legal help, you wont regret calling Anh.
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29 Aug, 2024 by Paul hollobon
Recently, we found ourselves in need of an attorney. Fortunately, a family friend referred us to Clayton. We are extremely grateful. It was hard to know where to go for help as we we do not live in the same state as the court where the case was being heard. Clayton's mix of professionalism, competency and dedication quickly became apparent. Clayton's extensive experience was clear throughout the process, as he confidently navigated complex legal matters. What truly set Clayton Robertson apart, however, was his genuine commitment to the best possible outcome. He took the time to explain every detail, answer every question, and ensure that we felt supported every step of the way. At any point in the process, we were able to reach out with our questions and get the answers and feedback we were seeking. If you’re looking for an attorney who combines remarkable legal expertise with excellent negotiation skills, Clayton Robertson is the one to choose. We are incredibly grateful for his help and cannot recommend him highly enough
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08 Jul, 2024 by Lorraine martinez
Love this firm, helped me have peace of mind
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15 Jan, 2024 by Attorney tai c bogan
I associate with Mr. Robertson on various legal cases. He is organized, tenacious, and a fierce advocate for our mutual clients and his own clients. The term "doesn't leave a rock unturned" comes to mind.
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29 Aug, 2024 by Paul hollobon
Recently, we found ourselves in need of an attorney. Fortunately, a family friend referred us to Clayton. We are extremely grateful. It was hard to know where to go for help as we we do not live in the same state as the court where the case was being heard. Clayton's mix of professionalism, competency and dedication quickly became apparent. Clayton's extensive experience was clear throughout the process, as he confidently navigated complex legal matters. What truly set Clayton Robertson apart, however, was his genuine commitment to the best possible outcome. He took the time to explain every detail, answer every question, and ensure that we felt supported every step of the way. At any point in the process, we were able to reach out with our questions and get the answers and feedback we were seeking. If you’re looking for an attorney who combines remarkable legal expertise with excellent negotiation skills, Clayton Robertson is the one to choose. We are incredibly grateful for his help and cannot recommend him highly enough
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08 Jul, 2024 by Lorraine martinez
Love this firm, helped me have peace of mind
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15 Jan, 2024 by Attorney tai c bogan
I associate with Mr. Robertson on various legal cases. He is organized, tenacious, and a fierce advocate for our mutual clients and his own clients. The term "doesn't leave a rock unturned" comes to mind.
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03 Jun, 2024 by Oso california
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21 Jun, 2023 by Dominic rivera
I just want to say James Latimer and the whole Ladimir law. Firm was great awesome from start to finish except for Sergio Monteon, who was very rude condescending and answered questions in tone not very customer service oriented, but I’d have to say Mr. Latimer and the rest of the team is awesome not only did he achieve in winning my case with Workmen’s Comp., but also went above and beyond with applying me for subsequent injuries, benefits trust fund, and also won my case at 100% disabled. God bless you James God bless your entire team.
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17 Aug, 2022 by Bridg blount
I have been a client for a few years since the onset of my wc injury. Throughout my entire time being a client I have experienced good customer service from both staff and attorneys. However, their Office Manager Monroe, is very rude and unprofessional. I find this to be so disappointing that he interacts with clients is this tone. It is also unfortunate because he is a representative of the firm.
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29 Jun, 2012 by Anonymous
This attorney does not supervise his paralegal. She refused to acknoweldge my mortgage payments and listened to the lender when I had proof of all payments. My house was almost foreclosed. She would not let me speak to Mclaughlin and only when I parked my body in his office did I get any assistance from him. He admitted that he did not know what was going on after six months of my struggle with his paralegal. He charged me twice to get my case active and now I find out that it was done incorrectly. I am very disappointed.
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08 May, 2010 by Anonymous
Bill Mclaughlin does not seem to be fully competent and has a condescending demeanor. He doesn't return phone calls in a timely fashion and provides questionable advice. If you want to feel worse about your situation this is the attorney to go to. However, if you want an attorney to provide constructive feedback and solutions to your problems please look elsewhere for your bankruptcy needs.
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FAQs
Questions? We have answers

What a Bankruptcy Lawyer Can Do for You

A bankruptcy lawyer specializes in helping individuals and businesses manage overwhelming debt by filing for bankruptcy or exploring alternatives to bankruptcy. They guide clients through the complex legal process of discharging or restructuring debts, represent them in court, and work to protect assets such as homes and cars. Bankruptcy lawyers can also help stop creditor harassment, wage garnishment, and foreclosures through bankruptcy protections.

If you're facing financial hardship, a bankruptcy lawyer can help you decide whether filing for bankruptcy is the right option and assist you through the legal process.

When Should I Hire a Bankruptcy Lawyer?

You should consider hiring a bankruptcy lawyer in the following situations:

  • Unmanageable debt: If you're unable to pay your bills and debts are piling up, a lawyer can help you explore options such as Chapter 7 or Chapter 13 bankruptcy.
  • Foreclosure or repossession: If your home is at risk of foreclosure or your vehicle is in danger of being repossessed, a bankruptcy lawyer can help you use bankruptcy protections to prevent this and potentially reorganize your debts.
  • Wage garnishment: If your wages are being garnished, filing for bankruptcy can stop garnishments and allow you to regain control of your finances.
  • Creditor harassment: If creditors are constantly calling or sending collection notices, a bankruptcy lawyer can stop these actions by filing for bankruptcy, which enacts an automatic stay that halts collection activities.
  • Small business debt: If your business is struggling with debt and cannot meet financial obligations, a lawyer can help you file for Chapter 11 (reorganization) or Chapter 7 (liquidation) bankruptcy.
  • Medical debt or credit card debt: If you have large amounts of unsecured debt like medical bills or credit card balances, a bankruptcy lawyer can help you seek relief through Chapter 7 or Chapter 13 bankruptcy.

Hiring a bankruptcy lawyer early in the process can prevent further financial damage and help you choose the best legal option for debt relief.

What Does a Bankruptcy Lawyer Do?

A bankruptcy lawyer provides a range of services to help individuals and businesses handle their debts. Their responsibilities often include:

  • Evaluating your financial situation: Assessing your income, assets, debts, and expenses to determine if bankruptcy is the right option and which type of bankruptcy (Chapter 7, Chapter 13, or Chapter 11) best suits your situation.
  • Filing bankruptcy petitions: Preparing and filing the necessary documents to initiate your bankruptcy case, ensuring that all legal requirements are met.
  • Stopping creditor harassment: Once the bankruptcy case is filed, an automatic stay is enacted, which stops creditors from pursuing collection efforts. A lawyer ensures this protection is applied immediately.
  • Representing you in court: Representing you in court proceedings, including meetings with creditors and any hearings related to your case.
  • Negotiating with creditors: In Chapter 13 or Chapter 11 bankruptcies, negotiating a repayment plan that restructures your debts and allows you to manage payments more effectively.
  • Advising on asset protection: Guiding you on how to protect certain assets, such as your home or retirement savings, through available bankruptcy exemptions.
  • Explaining the impact on your credit: Informing you about how bankruptcy will affect your credit and advising on steps to rebuild your credit post-bankruptcy.

How Are Bankruptcy Lawyers Paid?

Bankruptcy lawyers typically charge for their services in different ways depending on the complexity of the case and the type of bankruptcy being filed. Common payment structures include:

  • Flat fee: Many bankruptcy lawyers charge a flat fee for handling Chapter 7 or Chapter 13 bankruptcy cases. This fee usually covers the entire process, from preparing and filing paperwork to representing you in court.
  • Hourly rate: For more complex cases, such as Chapter 11 bankruptcy (often used by businesses), some lawyers charge an hourly rate. Hourly rates typically range from $150 to $500 or more.
  • Retainer: In cases where ongoing legal services are required, such as in Chapter 11 bankruptcies or complex Chapter 13 cases, a lawyer may request a retainer, which is an upfront payment billed against as the lawyer works on the case.

It’s important to discuss fees with your lawyer upfront, as bankruptcy law requires lawyers to disclose all fees and ensure they are reasonable and fair.

How Much Does a Bankruptcy Lawyer Cost?

The cost of hiring a bankruptcy lawyer varies depending on the type of bankruptcy and the complexity of the case. General cost estimates include:

  • Chapter 7 bankruptcy: For individuals, legal fees usually range from $1,000 to $3,500. This flat fee generally covers the entire process.
  • Chapter 13 bankruptcy: For individuals filing Chapter 13, legal fees typically range from $2,500 to $6,000. This cost is higher because of the additional work required to create and manage the repayment plan.
  • Chapter 11 bankruptcy (for businesses): Chapter 11 bankruptcy is more complex and usually more expensive, with legal fees ranging from $10,000 to $50,000 or more, depending on the size of the business and the complexity of the debt restructuring.
  • Filing fees: In addition to legal fees, there are also court filing fees, which are $338 for Chapter 7 and $313 for Chapter 13 as of 2024.

Always ask for a detailed cost estimate during your consultation to understand what services are included and whether payment plans are available.

Top Questions to Ask a Bankruptcy Lawyer

Before hiring a bankruptcy lawyer, it’s important to ask key questions to ensure they have the experience and knowledge to handle your case effectively. Key questions to ask include:

  1. What experience do you have with bankruptcy cases?
    Ensure the lawyer has experience handling cases similar to yours, whether it's Chapter 7, Chapter 13, or Chapter 11 bankruptcy.
  2. How do you charge for your services?
    Clarify whether the lawyer charges a flat fee or hourly rate, and ask for a detailed breakdown of costs, including filing fees and additional expenses.
  3. Which type of bankruptcy is best for me?
    Ask the lawyer to explain whether Chapter 7, Chapter 13, or Chapter 11 is the best option based on your financial situation and long-term goals.
  4. What debts can be discharged?
    Ask which of your debts will be forgiven through bankruptcy and which debts (such as certain taxes or student loans) may not be dischargeable.
  5. How long will the process take?
    Bankruptcy cases can take time to resolve, so ask the lawyer how long they expect the process to last, from filing to discharge.
  6. Will I be able to keep my assets?
    Ask if you will be able to keep important assets, such as your home or car, and what exemptions might apply.
  7. What happens after bankruptcy?
    Ask about the impact of bankruptcy on your credit score and what steps you can take to rebuild your credit after the bankruptcy is finalized.

How to Check the Credibility of a Bankruptcy Lawyer

To ensure you are hiring a reputable bankruptcy lawyer, follow these steps to verify their credentials and track record:

  • Verify their bar status: Check with your state bar association to confirm that the lawyer is licensed to practice law and has no history of disciplinary actions.
  • Look for bankruptcy experience: Review the lawyer’s website or professional profile to ensure they specialize in bankruptcy law and have successfully handled cases like yours.
  • Read client reviews and testimonials: Look for client reviews on platforms like Avvo, Martindale-Hubbell, or Google to see what previous clients have said about the lawyer’s professionalism and ability to handle bankruptcy cases.
  • Ask for references: A reputable lawyer should be able to provide references from past clients who have worked with them on bankruptcy matters.
  • Check for certifications or memberships: Look for lawyers who are members of organizations such as the National Association of Consumer Bankruptcy Attorneys (NACBA) or who have specialized bankruptcy law certifications.

What Should I Prepare for My First Consultation?

To get the most out of your first consultation with a bankruptcy lawyer, it’s important to come prepared with relevant documents and information. Here’s what you should bring:

  • List of debts: Prepare a detailed list of all your debts, including credit cards, personal loans, medical bills, and any secured debts such as mortgages or car loans.
  • Income and expense records: Bring documents that show your current income, such as pay stubs or tax returns, and a list of your monthly expenses, including rent, utilities, and other essential costs.
  • Asset information: Provide information on any assets you own, such as your home, car, investments, or other valuable property.
  • Credit reports: If possible, bring copies of your credit reports to give the lawyer a clear view of your financial situation.
  • Questions for the lawyer: Prepare a list of questions you have about the bankruptcy process, the lawyer’s fees, and what to expect after filing for bankruptcy.

By preparing thoroughly for your consultation, you can help the lawyer assess your situation more effectively and provide the best possible legal advice tailored to your needs.