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Best Bankruptcy Attorneys in Chico

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Access Court Services logo
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Access Court Services

1385 Ridgewood Drive, Chico, CA 95973
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  • Debt Settlement

Business Description

Located in Chico, Access Court Services is a company that connects clients to a bankruptcy lawyer. The firm works closely with an attorney that helps clients in determining whether filing for bankruptcy is suitable for their financial situation. The attorney gives clients an understanding of what to expect before, during, and after the bankruptcy process. The bankruptcy lawyer also provides representation for individuals and businesses who need defense against a potential bankruptcy filing. Access Court Services was established in 1989.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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Jacobs, Anderson, Potter, Harvey and Cecil, LLP logo
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Jacobs, Anderson, Potter, Harvey and Cecil, LLP

20 Independence Circle, Chico, CA 95973
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Jacobs, Anderson, Potter, Harvey and Cecil, LLP is a law firm comprised of legal professionals with varying expertise, from personal injury law to bankruptcy law. Based in Chico, the firm serves clients in Northern California. The lawyers at the firm concentrate on a range of practice areas, including bankruptcy, business formation and litigation, conservatorship law, personal injury, probate law, and wills and trusts. Bankruptcy lawyer Doug Jacobs has also taught bankruptcy law at Cal Northern School of Law since 1988.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
5.0
Google
5.0 / 5 (2)
Avvo
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Law Office of Jennifer L. Newkirk logo
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Law Office of Jennifer L. Newkirk

2531 Forest Avenue, Chico, CA 95928
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Jennifer L. Newkirk is a law practice based in Chico. Newkirk is a bankruptcy attorney proficient in handling chapter 7 and chapter 13 cases. She strives to provide her clients with the best advice and is detail-oriented in determining if filing for bankruptcy is the most suitable option or which type of bankruptcy is most appropriate for each client. She aims to make the process as easy and stress-free as possible, as she helps her clients regain control of their finances.

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
4.0
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––
Michael O. Hays Attorney at Law Bankruptcy Specialist logo
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Michael O. Hays Attorney at Law Bankruptcy Specialist

676 East 1st Avenue, Chico, CA 95926
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Michael O. Hays Attorney at Law Bankruptcy Specialist is a bankruptcy lawyer located in Chico. Hays is committed to helping clients eliminate debt from medical bills, credit cards, and payday loans. Aside from this, the attorney addresses foreclosure and wage garnishment issues. He provides legal assistance in chapter 7 bankruptcy and chapter 13 bankruptcy. Hays has more than 30 years of experience in the area of bankruptcy. He is a member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
4.5 / 5 (182)
Facebook
4.5 / 5 (57)
Yelp
1.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
Friendliness
Helpfulness
Detail
Power Law P.C. logo
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Power Law P.C.

1058 Mangrove Ave suite c, Chico, CA 95926
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Power Law P.C. is a general service law firm that handles bankruptcy cases and proceedings in Chico and the surrounding areas. Founding attorney Stacie L. Power offers legal assistance to her clients who wish to file either a chapter 7, a chapter 11, or a chapter 13 bankruptcy. In addition to bankruptcy law, Power also practices in other areas including business law, franchise law, and real estate law. Power Law P.C., also offers estate planning services.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.1
Google
4.2 / 5 (26)
Facebook
5.0 / 5 (1)

Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
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The Law Office of Nikki Farris logo
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The Law Office of Nikki Farris

2607 Forest Avenue, Chico, CA 95928
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

The Law Office of Nikki Farris is a business law, estate planning, and bankruptcy law firm representing clients in Chico, Butte County, and the rest of California. With over 10 years of law practice, founding attorney Nikki Farris offers a range of legal services for cases related to bankruptcy, including chapter 7 and chapter 13 petitions and bankruptcy alternatives. Farris is a member of the National Association of Consumer Bankruptcy Attorneys.

Reputation:

We scour the internet for reviews from well-known resources. Each provider is evaluated based on the quality and quantity of their reviews, their presence on multiple review sites, and their average minimum rating.
4.9
Google
5.0 / 5 (21)
Facebook
4.7 / 5 (12)
Avvo
5.0 / 5 (9)

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Professionalism:

We hire mystery shoppers to call our providers anonymously and evaluate them. Providers who respond quickly, answer questions thoroughly, and communicate politely score higher.
5.0
Responsiveness
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Frequently Asked Questions

What does a bankruptcy attorney do?

Bankruptcy attorneys help clients understand whether they qualify for bankruptcy and what their best options are. They also prepare and file petitions, answer questions during the proceedings, and educate clients about potential best steps for a positive bankruptcy outcome. Bankruptcy attorneys might also file motions or paperwork if creditors dispute the bankruptcy, or to stop creditors from taking collections actions forbidden by the bankruptcy.

What happens when you file bankruptcy?

Bankruptcy is a formal process that individuals, married couples, or businesses can enact when they are no longer able to pay creditors. In a bankruptcy proceeding, filers are allowed to reduce debt to more manageable levels to best pay off money owed.

Once the bankruptcy process is initiated, debt collectors can no longer seek repayments outside of the arrangements detailed in the bankruptcy settlement. Some forms of bankruptcy result in the liquidation of assets to pay back debts, while others allow filers to retain most of their possessions and investments. Many types of unsecured debt can be managed with bankruptcy filings, but not all.

Can you file bankruptcy on student loans?

Under most circumstances, student loans aren't dischargeable and aren't included in bankruptcy proceedings. In rare cases, it may be possible to eliminate student loans through bankruptcy, but only if the courts determine that continuing to pay the loans would impose an undue hardship. Meeting the criteria for undue hardship is challenging, and most bankruptcy filers don't qualify.

What is bankruptcy fraud?

Bankruptcy fraud is a blanket term that refers to any kind of dishonest bankruptcy proceeding, which can include:

  • Hiding assets by transferring them to another person or entity
  • Intentionally omitting assets when reporting to the court
  • Destroying or withholding required documents
  • Knowingly making false statements to bankruptcy trustees or creditors

How long is bankruptcy on public record?

How long bankruptcy stays on public record depends on the kind of bankruptcy filing in question. Chapter 7 bankruptcy remains on the record for 10 years as there isn't necessarily a repayment component. Chapter 13 bankruptcy remains on the record for seven years as some obligations are repaid following filing based on the terms of a discharge settlement.

Does bankruptcy clear tax debt?

Bankruptcy can clear tax debt, depending on the circumstances. Taxes are dischargeable under Chapter 7 bankruptcy, not Chapter 13, and only if the tax debt is:

  • Federal income tax debt related to current properly filed tax returns
  • Honestly incurred with no fraud or evasion
  • At least three years old
  • Assessed at least 240 days before bankruptcy filings

Existing liens are not eliminated with bankruptcy.


Can they take my car in Chapter 7 bankruptcy?

In many cases, it's possible to keep a vehicle following Chapter 7 bankruptcy. The Chapter 7 Motor Vehicle Exemption allows filers who own their vehicles outright or who are up to date with payments to keep their cars. However, those behind on making car payments are required to arrange a repayment plan. Otherwise, the vehicle may be repossessed as a part of the proceedings.

How bad is it to file bankruptcy twice?

Although possible, due to the damaging nature of bankruptcy, filing bankruptcy more than once isn't recommended. Filing multiple times puts a serious burden on one's credit report, making it harder to get a loan, buy a house, buy a car, or even open credit cards.

Note that filing for bankruptcy isn't something that can be done at a filer's leisure. There are time limits following bankruptcy cases that dictate when it's permissible to file again. For example, after Chapter 7 bankruptcy, filers must wait at least eight years before filing Chapter 7 again or four years before filing Chapter 13.

Can anyone file bankruptcy?

Anyone can file bankruptcy, but there are limitations regarding which form of bankruptcy is permissible. Qualifying for Chapter 7 requires a means test that evaluates income, debt levels, and income left over each month after paying basic obligations. Income over the median set by the court and monthly income that allows meaningful payments toward unsecured debt can disqualify filers from Chapter 7, which is generally the preferred form of bankruptcy due to the possibility of a full discharge. Anyone can file Chapter 13 bankruptcy, but the terms are less favorable. In most cases, some debts must be repaid following a successful filing. Chapter 13 is also more likely to result in asset forfeiture.

How will bankruptcy affect my credit score?

Bankruptcies are noted on credit reports. How much a bankruptcy might drop a person's credit score depends on how high the score was to begin with, but generally speaking, the hit can be as much as 100 to 200 points. Often scores are already dropping because people filing for bankruptcy may have already missed payments on debts. Chapter 13 bankruptcies are listed on credit reports for seven years from the filing date, while Chapter 7 bankruptcies are listed for 10 years from the filing date. This is because Chapter 13 bankruptcies require at least partial payment of debts owed.

What are the benefits of filing for bankruptcy?

Filing a bankruptcy petition causes an automatic stay. This legally stops creditors from taking further action to collect debt, including garnishing wages or foreclosing on property. Going through a bankruptcy successfully means that debts included in the bankruptcy are discharged and don't have to be paid back, except as provided in a Chapter 13 repayment plan. Bankruptcy can help someone recover from financial duress so they can make better decisions and improve financial situations in the future. Disadvantages can include temporary lower credit scores and limitations on spending and financing.

What's the difference between debt settlement and bankruptcy?

Debt settlement occurs when people negotiate with individual creditors. The creditor agrees to take a payment that's lower than what someone owes and call the debt “paid in full.” Bankruptcy is a legal process that causes debts to be dismissed after someone proves they don't currently have the means to pay their debts as owed. Typically, someone can't enter into bankruptcy and also settle some debts, because the court would see that as favoring one creditor over another.

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