Seth Hanson

At our firm, bankruptcy is all we do. By focusing just on bankruptcy, we believe we are able to provide outstanding service to our clients by keeping our bankruptcy skills sharp, maintaining great relationships with the bankruptcy court and bankruptcy trustees, and avoiding the distraction of practicing in multiple areas. Filing bankruptcy is a powerful tool for solving many credit problems such as creditor lawsuits, foreclosure, utility disconnection, and even evictions. But you'll need the guidance of a good California bankruptcy lawyer to discover how this tool can help you get the debt relief you need. Filing for a Roseville bankruptcy puts an immediate end to creditor calls and other collections efforts. Once you file Chapter 7 or Chapter 13 bankruptcy in California, an automatic stay stops creditors from calling you, writing you, or making any effort to get you to pay them. If you're facing an eviction, filing bankruptcy may help you stay in your apartment. However, you'll need to file bankruptcy before the landlord gets a court order. It's important to note that California bankruptcy law won't protect you if you've damaged the landlord's property and filing bankruptcy will only buy you time so that you can eventually pay back rent. Filing bankruptcy doesn't free you of your responsibility to pay your rent-in other words you can't stay in the apartment rent free. If you're at risk of losing your home to foreclosure, filing bankruptcy can help. As soon as you file Chapter 7 bankruptcy, the automatic stay will put a temporary end to the foreclosure process, buying you time to figure out a way to pay your mortgage and any arrears. In Chapter 13 bankruptcy you can repay your mortgage arrears through your payment plan over a three to five year period.