If you’re looking for a bankruptcy lawyer, Santa Rosa-based Wine Country Family Law & Bankruptcy Office, P.C. can help.
Today many people living in Santa Rosa, Petaluma and the surrounding cities face money problems due to the high price of housing, transportation, and everyday living expenses in Sonoma County.
Many parents are supporting adult children and grandchildren, draining their own finances.
Many Sonoma County residents have experienced sudden life changing events such as job loss, failure of a business, illness, injury, divorce or death of a spouse. You are not alone. It is common under such circumstances to get behind on monthly payments at some point or have major credit card debt. This is especially difficult if you have substantial student loan balances to pay. Now, the Coronavirus pandemic has added even more financial stress!
These debts often get out of control due to skyrocketing interest rates and late fees making it hard to sleep at night, not knowing what to do.
Santa Rosa Bankruptcy Lawyer: Helping You Get Back on Track
Dealing with problems stemming from your financial situation can cause extreme tension in your life. You may feel like you are drowning in debt and can’t find your way out. If you need help making ends meet, exploring the options of Santa Rosa Chapter 7 and Chapter 13 Bankruptcy may be the right path to get you back on track.
At Wine Country Family Law & Bankruptcy Office, P.C. we can help you get back your peace of mind and move forward with your life, debt free! As you can see in our client reviews, clients frequently report that our Santa Rosa bankruptcy attorneys are:
- Sensitive, caring, and approachable
- Prompt in returning calls and emails
- Reasonable with fees
- Thorough, patient, and explains things in an easy-to-understand manner
- Professional, knowledgeable, and well respected in the legal community
Talk to Santa Rosa Bankruptcy Attorney L. Bailey Penzotti
After consulting with Wine Country Family Law & Bankruptcy Office, P.C. you will see that bankruptcy is a very powerful debt relief device.
Some of the relief bankruptcy provides:
- Stops all creditor collections calls and creditor harassment
- Stops all collection activity including wage attachment and paycheck garnishment
- Stops repossession of your car and other personal property
- Can be used to stop a foreclosure on your home
- May wipe out second mortgages and/or Home Equity Lines of Credit and other junior liens
- Allows you to catch up on your late mortgage payments and property taxes
- May allow you to restructure your car loan in order to pay the current value of it over 3 or 5 years, rather than the remaining balance
- Pays off recent income tax debts and may eliminate old tax debts to the IRS and/or Franchise Tax Board
- Eliminates all or most of your debts
- Gives you relief and a chance to make the fresh start that you need!
How Can I Hire a Santa Rosa Bankruptcy Lawyer, if I Can’t Afford to Pay My Bills as it Is?
Our flat rate low cost bankruptcy fees are typically much lower than other bankruptcy lawyers. Santa Rosa residents, as well as those from Petaluma, Windsor, Rohnert Park and other areas, have discovered that our fee structure is affordable.
Our clients know up front exactly how much they will pay and do not have to worry about steadily increasing legal bills. Unlike many Santa Rosa bankruptcy lawyers, we do not require all fees to be paid at the outset of your case. We offer flexible Chapter 7 and Chapter 13 payment options to meet your needs. Our philosophy is simple: provide honest, high quality bankruptcy services at a reasonably low cost.
We provide chapter 7 and chapter 13 bankruptcy appointments by phone, video conference, or in our Santa Rosa bankruptcy office. We’ll take the time to talk with you, answer your questions, evaluate your situation and discuss your options. At the conclusion of your consultation, we will provide you with a fee quote and back it up in writing for you.
We’ll Give You Honest, Thorough and Straight-Forward Advice (Even if it’s Not to File Bankruptcy)
Filing bankruptcy is a major decision to make. We feel that it is important to educate our clients regarding the various aspects of bankruptcy. You should understand how the process works and the ramifications of filing bankruptcy.
You should be aware of some “do’s and don’ts” when considering filing chapter 7 or chapter 13 in Santa Rosa. Bankruptcy attorney L. Bailey Penzotti will explain bankruptcy and the “do’s and don’ts” with you in a straight- forward and down-to-earth fashion. We want you to feel comfortable in asking questions if you don’t understand something.
Most importantly, we want you to feel confident in your decision to file bankruptcy (or not to file). Even if filing bankruptcy does not appear to be your best option, we will tell you so and explain why.
The recent wave of bankruptcy filings have brought about volume bankruptcy law firms with attorneys who find it a burden to pick up calls from clients. They may try to “sell” bankruptcy instead of being a source of honest legal advice in your difficult financial time. Wine Country Family Law & Bankruptcy Office, P.C. is different from many of the other Petaluma, Windsor, Santa Rosa, and Rohnert Park bankruptcy law firms.
We strive to provide a high degree of personal care and service to each of our clients. Please read our client testimonials by clicking here to see what our clients have to say about our services. We believe it’s our attentiveness and personal approach that sets us apart from the rest!
We Pledge Not to Disrupt Your Work, Home or Family Life
This is especially helpful to our clients who work during the day and/or have families to care for. It’s also helpful for those who have limited mobility, are disabled, or have transportation difficulties.
Once you have retained our services, we prefer to use email as the primary mode of communication, when practical while preparing your case. This allows you to work with us on your own time with minimum intrusions of your personal time. There are occasions where it is necessary (or easier) to communicate with you by phone, however.
On the same token, your calls are always welcome and will be promptly attended to. Typically, our clients will only need to travel one to two times during their entire bankruptcy case (to review and sign documents with us and to attend their mandatory Meeting of Creditors). Our clients are always welcome to call us to make an office appointment anytime they want to come to our Santa Rosa Chapter 7 and Chapter 13 Bankruptcy law office.
Let Us Relieve Some of Your Stress
Our Sonoma County bankruptcy attorney will deal with all of your creditors from the moment they become your attorney, relieving unnecessary stress from your life. Wine Country Family Law & Bankruptcy Office, P.C. uses the latest technology so that the process of obtaining information from our clients is quick and easy.
Most Santa Rosa bankruptcy attorneys instruct their clients to fill out about a two inch thick packet of paperwork to gather some basic information from them. Our experience has shown that clients don’t want to be burdened with an enormous amount of paperwork to fill out. It causes unnecessary stress. We provide our clients with a simple on-line system available 24-7 to enter data.
Of course, a client may always opt to receive the paperwork to fill out, if they prefer. We use an automated system in order to obtain your credit report which is transferred into our secure computer system. You won’t have to dig through all of your bills in order to give us the information. We will help you get through bankruptcy quickly and painlessly!
Take the First Step to Financial Freedom. Contact Us Today for Your Discounted Consultation!
We are a debt relief agency. Our office helps people file for bankruptcy relief under the U.S. Bankruptcy Code.
Wine Country Family Law & Bankruptcy Office, P.C. is proud to be a LGBTQI friendly law practice.