Realizing there is a problem

Perry Stotts's picture

The most fascinating part of my work is the first call.  After speaking with what seems like countless people who are looking into the option of bankruptcy, I have found that some have tears, all are frustrated and stressed, and a surprising number apologize to me for their emotions.

Paul Garay's picture

A lot of clients come in worrying about their house being in danger of immediate foreclosure. By filing for bankruptcy at any time during the foreclosure process, you automatically pause this procedure and protect your home for a limited time. Here is a basic breakdown of the timeline of a typical foreclosure:

Credit card debt can happen to anyone.

Credit Card Debt in Northern California

If you are struggling with credit card debt, you are not alone. In fact, the average American household has $8,329 in credit card debt (Nilson Report, April 2009). With the unemployment rate at 9.5%, many Americans are using their credit cards to help make ends meet.

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