Are you having trouble managing your credit card bills, rent or mortgage payments and car payments? Are you in danger of foreclosure or repossession? Are you looking for a way to get a fresh financial start and rebuild your credit?
At the Law Office of Jeff D. Hoffman in Oakland, we help clients understand and pursue their best options, including bankruptcy and negotiating for debt reduction on all kinds of payments you may be behind on. To set up a free initial consultation with attorney Jeff D. Hoffman, contact us today.
Answering Your Questions, Exploring Your Options
We understand that each person's debt circumstances are different. Depending on your situation, there may be several bankruptcy and debt reduction options available to you, and you may have a number of different questions about them. Among the most prominent topics our clients ask about are the following:
- Chapter 13 bankruptcy: With a Chapter 13 payment plan, you can stop a foreclosure and/or repossession, while sharply reducing or eliminating some types of debt and catching up with others over a three- to five-year period.
- Chapter 7 bankruptcy: Filing Chapter 7 can get you immediate debt relief and eliminate certain types of debt permanently within just a few months.
- Home foreclosure: If you are at risk of losing your home, Jeff will carefully go over your bankruptcy and other options for avoiding foreclosure. He can help you save your primary home as well as explore options that may allow you to eliminate second and third mortgages for all properties, and lower your mortgage payments for other real estate investments or properties you may have.
- Credit cards and medical/doctor bills: These are among the most common types of debt that can be completely eliminated or greatly reduced in bankruptcy.
- Wage garnishment: If your wages are being garnished, filing bankruptcy can stop the garnishment and may eliminate or greatly reduce the underlying debt. You may also be able to get back wages that have been garnished 90 days before filing bankruptcy.
- Debt Reduction: We can negotiate to get you a steep discount on your debts. This is usually for people who cannot file bankruptcy.
- Car loan modification: Because Jeff is a bankruptcy attorney, he can apply leverage in negotiations with your auto lender, so you can reduce your payments and save your car from being repossessed. He can also use other approaches under Chapter 13 bankruptcy to help you keep your car.
- Loan fraud: If you've been misled into a loan where you cannot afford the payments, a lawsuit against the broker or lender for fraud might be a good option.
Whatever concerns you have about the serious consequences that can come from having more debt than you can afford, contact us to go over your options with our knowledgeable, ethically dependable Bay Area lawyer, Jeff D. Hoffman.
