Our offices are open:

Monday - Friday                 9:00am to 5:00pm

Saturday                               9:00am to 2:00pm 

However, you may contact our California  Bankruptcy Law Firm   for a free phone consultation with a debt relief lawyer at any time during or after regular office hours.

click here for information about debt cancellation and  foreclosureshttp://www.irs.gov/newsroom/article/0,,id=174034,00.html

• Filing a bankruptcy petition in the California Bankruptcy Court stops all collection efforts by creditors. However, if creditors are harassing you, before your decision to file for bankruptcy relief is finalized, you have the following options: 

• Write a cease & desist letter. If explaining the situation doesn't stop collection efforts, the simplest way to stop contacts is to write the collector a cease & desist letter. Federal Law requires collection agencies to stop contacts with you after they receive a written request to stop. It's a good idea to include in the letter why you can't pay right now and what your expectations are for the future, though this is not necessary. You should also note in the letter any billing errors and/or abusive tactics debt collectors have used in their contacts with you. Be sure to keep a copy of the letter for your records.

• Complain about billing errors. Collection letters are sometimes wrong. If a letter contains a mistake, you should write and request a correction (and keep a copy of your request). If you dispute the debt in writing within 30 days of your receiving notice of the right to dispute, the collection agency must stop collection efforts while it investigates. If the account is an open end account, like a credit card, you can dispute a charge within 60 days of receiving the bill.
  
  
• Complain to a government agency. For creditor harassment, or if a debt collector keeps harassing you, or calls third parties after you send a cease letter, file a complaint you have about a collector's conduct to the Federal Trade Commission, Bureau of Consumer Protection, Division of Credit Practices, Washington, D.C. 20580. You may also call the FTC at 1-877-382-4357 or get a complaint form from their website: www.ftc.gov. 

Yes debts can still be eliminated under chapter 7 bankruptcy for individuals and businesses who qualify. You may still keep your assets and properties to the extent that they are exempt under the bankruptcy laws, and eliminate your debts for ever.

 Click here for information about Bankruptcy Reform Act of 2005 and qualification requirements for bankruptcy under the new law http://www.usdoj.gov/ust/