California Bankruptcy Lawyer Fights for Your Fresh Start
Assertive attorney provides solutions to clients in the Los Angeles area with overwhelming debt
You deserve relief when you are being crushed by overwhelming debt. At C. J. Smith Law, I fight for your right in the Los Angeles area and throughout California to make a fresh start, free from unmanageable debt and harassing creditors. I draw on vast experience guiding clients through the bankruptcy process and am prepared to help you regain a firm financial footing.
Experienced lawyer offers debt analysis for California clients
At C. J. Smith Law, I perform an in-depth evaluation of your finances before advising you to file for bankruptcy. After reviewing your income, debts and other expenses, I will counsel you on the true and total impact that bankruptcy will have on your family, business, home and future credit. If bankruptcy is the right choice for you, I will fully explain the process and the outcomes. My comprehensive approach to bankruptcy leaves no doubts, so you can be confident you are taking the right step to secure your future.
Proven advocate explains your reprieve through the automatic stay
You should not have to endure creditors’ aggressive collection tactics. I can put an end to the harassing phone calls and irksome letters meant to pressure you into paying debts you cannot afford. As soon as you or your business files for bankruptcy, creditors must immediately stop collections efforts, including those distressing letters and phone calls.
Determined counselor details your bankruptcy options
The U.S. Bankruptcy Code provides relief for businesses and consumers. Each has different eligibility requirements and different advantages in particular situations. The most common forms of bankruptcy are:
- Chapter 7 bankruptcy — If you and your spouse own few assets and earn relatively low wages, Chapter 7 bankruptcy grants you relief from debts through the liquidation of your assets. We can negotiate asset exemptions to limit the disruption to your life.
- Chapter 11 bankruptcy — If you own a corporation, partnership or sole proprietorship, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a court-ordered payment plan. We help you keep the business you struggled so hard to build.
- Chapter 13 bankruptcy — Chapter 13 bankruptcy can stop lenders from taking your home through foreclosure. Chapter 13 allows you to keep your hard-earned assets and pay debts over time in smaller amounts.
If bankruptcy is the right choice for you, my firm will guide you through the process from start to finish.
Contact an aggressive California bankruptcy attorney who will fight for your rights
At C. J. Smith Law, I help individuals and businesses facing overwhelming debts in California. Call me at 559-320-7028 or contact me online to schedule your free bankruptcy consultation at my Los Angeles office.