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Best Bankruptcy Attorneys in Citrus Heights

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Beeson, Tayer & Bodine logo
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Beeson, Tayer & Bodine

520 Capitol Mall, Sacramento, CA 95814
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  • Debt Settlement

Business Description

Serving clients in Citrus Heights, Beeson, Tayer & Bodine is a private practice that counsels unions and employee benefit plans in bankruptcy cases. The firm mainly acts as a creditor in bankruptcy cases, offering services such as assistance with pre-bankruptcy negotiations, filing proofs of claim, responding to objections to claim, responding to an application to reject or modify collective bargaining agreements, and defending trust funds. It was founded in 1936 and has since represented unions in other matters involving labor, employment, and education law.

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)
Brooks & Carpenter logo
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Brooks & Carpenter

555 University Avenue, Sacramento, CA 95825
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Sacramento-based business and bankruptcy law firm Brooks & Carpenter offers personalized representation and legal counsel. Its team of attorneys has over 48 combined years of experience providing bankruptcy options and business solutions. They help determine which type of bankruptcy petitions is suitable for the client, chapter 7 or chapter 13 bankruptcy. The team also provides alternative solutions such as debt settlement and negotiation. This firm also handles cases involving corporation and partnership formation, living trusts and succession, and business operations.

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.
4.5
Justia
10.0 / 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.
4.0
Responsiveness
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Law Office of Jonathan Gonzales logo
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Law Office of Jonathan Gonzales

1510 J Street, Sacramento, CA 95814
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Jonathan Gonzales has a team of bankruptcy lawyers serving Citrus Heights. These lawyers are experts in different types of bankruptcy petitions, including chapter 7 and chapter 13. They also provide a variety of legal options for debt relief. Aside from handling bankruptcy matters, the firm provides representation to clients facing criminal charges. Its team of trial attorneys has a record of success representing individuals charged with domestic violence, assault and battery, and drug crimes.

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.
3.8
Yelp
4.0 / 5 (7)

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 Peter G. Macaluso logo
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Law Office of Peter G. Macaluso

7230 South Land Park Drive, Sacramento, CA 95831
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

Law Office of Peter G. Macaluso is a bankruptcy law firm providing legal counsel to clients in Citrus Heights, Sacramento, and the greater Sacramento area covered under Eastern District of California Bankruptcy Court.. The firm is established in 2002 by bankruptcy lawyer Peter G. Macaluso. The firm concentrates on chapter 7 and chapter 13 bankruptcy cases, debt-relief options, and support in proceedings if needed. Macaluso is also dedicated to help clients stop creditors' harassment, stop foreclosure and repossession actions, and eliminate wage garnishments.

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.
4.5
Yelp
4.0 / 5 (15)
Google
4.3 / 5 (12)
Facebook
5.0 / 5 (11)

(+1 additional source)

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 Offices of Alex Leon logo
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Law Offices of Alex Leon

2301 J Street, Sacramento, CA 95816
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy
  • Debt Settlement

Business Description

Law Offices of Alex Leon is a bankruptcy law firm representing clients in Citrus Heights, Sacramento, and the rest of California. Founded by bankruptcy lawyer Alex Leon, the firm focuses on three main practice areas which are bankruptcy, debt settlement, and foreclosure. Leon teaches legal subjects and practical skills to high school students at the McGeorge Street Law International Class. He is also a bilingual lawyer who is fluent in both English and Spanish.

Law Offices of Mo Mokarram logo
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Law Offices of Mo Mokarram

1101 Fulton Avenue, Sacramento, CA 95825
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Offices of Mo Mokarram in Citrus Heights serves individuals, corporations, and other business entities with financial issues. This debt relief agency's bankruptcy attorney helps clients understand their options. With experience handling thousands of court hearings, Mokarram is capable of negotiating with creditors for a debt settlement. He can also assist in filing for chapter 7 or chapter 13 bankruptcy, helping clients eliminate debts, stop wage garnishments and creditor harassment, and terminate lawsuits.

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
Yelp
1.0 / 5 (1)
Lewis Brisbois Bisgaard & Smith LLP logo
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Lewis Brisbois Bisgaard & Smith LLP

2020 West El Camino Avenue, Sacramento, CA 95833
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  • Chapter 7 Bankruptcy

Business Description

Lewis Brisbois in Citrus Heights offers to assist business owners, their consumers, or their lenders with legal solutions to insolvency or bankruptcy. With nationally recognized lawyers experienced in areas such as business, employment, intellectual property, and real estate, the firm aims to represent the complex and broad interests of clients. These include companies that are reorganizing, plan-disbursing agents, lenders, landlords, and bankruptcy trustees. Lewis Brisbois also handles cases involving relief from stay motions, non-dischargeability actions, and trustee motions, as well as with appeals for bankruptcy cases.

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.
4.0

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
Responsiveness
Friendliness
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Detail
––
The Law Office of Lisa K. McKee logo
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The Law Office of Lisa K. McKee

1325 Howe Avenue, Sacramento, CA 95825
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  • Chapter 7 Bankruptcy
  • Chapter 13 Bankruptcy

Business Description

The Law Office of Lisa K. McKee is a bankruptcy law firm that provides legal services throughout Citrus Heights and the surrounding communities. The company's founder and bankruptcy lawyer, Lisa McKee, is passionate about helping clients who are in financial distress by filing chapters 7 and 13 bankruptcies. McKee has been practicing bankruptcy law since 1995. She is the vice president of the Sacramento Valley Bankruptcy Forum and 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.
4.7
Yelp
4.5 / 5 (15)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Trainor Fairbrook logo
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Trainor Fairbrook

980 Fulton Avenue, Sacramento, CA 95825
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  • Debt Settlement

Business Description

Trainor Fairbrook is a bankruptcy law firm serving the Citrus Heights metro. The firm offers representation in cases involving debt collection and bankruptcy actions. It also provides creditor representation in tenant and borrower bankruptcies. With over 40 years of service, it has helped thousands of clients recover from debilitating debt. It was founded in 1978 by Charles Trainor, who almost exclusively practiced real estate law and creditor representation in bankruptcy court until the firm extended its coverage to include other law practices in 1991.

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.
4.0
Google
4.0 / 5 (4)

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
Responsiveness
Friendliness
Helpfulness
Detail
––
Back to Providers

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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