Oakland Attorney for People in Serious Debt
Are you having trouble managing your credit card bills, rent or mortgage payments, 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 loan modification. 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 loan modification 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 7 bankruptcy: Filing Chapter 7 can get you immediate debt relief and eliminate certain types of debt permanently within just a few months.
- Chapter 13 bankruptcy: With a Chapter 13 payment plan, you can stop a foreclosure and/or repossession, while sharply reducing some types of debt and catching up with others over a three- to five-year period.
- Home loan modification: With so many people unable to keep up with their mortgage payments, many banks are willing to negotiate to avoid foreclosure.
- 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 keep your car.
- 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.
- Home foreclosure: If you are at risk of losing your home, Jeff will carefully go over your bankruptcy and loan modification options for avoiding foreclosure.
- Auto repossession: Filing bankruptcy can stop auto repossession and may allow you to reduce what you owe on your auto loan.
- 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 a knowledgeable, ethically dependable Bay Area lawyer.
