AV Preeminent Peer Rated Attorneys
Colfax Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).
AV Preeminent Peer Rated Attorneys
Colfax Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Colfax Residents, consider several factors when selecting a lawyer including their experience, expertise, and reputation. AV Rated Attorneys represent a distinguished group of lawyers who have received top ratings from their peers for their exceptional ethical standards and an A grade (4.5 or higher).

Bartholomew & Wasznicky LLP

4.7
5 Reviews

  • Serving Colfax, CA and Placer County, California

  • Law Firm with 8 lawyers2 awards

  • At Bartholomew & Wasznicky, our experienced & caring divorce lawyers know the issues you're facing are complex, difficult and emotional. However, we will do everything we can... Read More

  • Bankruptcy LawyersFamily Law, Collaborative Practice, and 45 more

Hal D. Bartholomew
Senior Partner
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The Burton Law Firm

4.8
15 Reviews

  • Serving Colfax, CA and Placer County, California

  • Law Firm with 6 lawyers1 award

  • The Burton Law firm provides comprehensive and customized estate, tax and legal services to all clients, regardless of the size of their business or personal holdings.

  • Bankruptcy LawyersEstate Planning, Business Law, and 150 more

Jeb Burton
Managing Partner
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Herrig, Vogt & Hensley, LLP

4.5
34 Reviews

  • Serving Colfax, CA and Placer County, California

  • Law Firm with 10 lawyers3 awards

  • Serving the People who Build America

  • Bankruptcy LawyersCivil Trial Practice Relating to Public, Private Construction Contracts, and 80 more

Trevor Hensley
Partner
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Looking for Bankruptcy Lawyers in Colfax?

Bankruptcy lawyers help individuals and businesses find relief from overwhelming debt. They analyze your financial situation and guide you through processes like Chapter 7 liquidation or Chapter 13 reorganization. Their goal is to stop creditor harassment, protect your assets, and provide a legal path to a fresh financial start.

About our Bankruptcy Lawyers Ratings

The average lawyer rating is created by peers based on legal expertise, ethical standards, quality of service, and relationship skills. Recommendations are made by real clients.

CLIENT RECOMMENDED
50 %

7 Client Reviews

PEER REVIEWS
4.8

23 Peer Reviews

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Lawyer Resources

Commonly Asked Bankruptcy Questions From Users Near You

This information is not legal advice and is not guaranteed to be correct, complete or up-to-date. It is provided for general informational purposes only. If you need legal advice you should consult a licensed attorney in your area.

What should I do after being contacted by a collections attorney?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
The credit card company can sue you and get a judgment that is initially good for 10 years and renewable practically forever. They can drag you to court to answer questions under oath about your income and property and if you have any real property they can file an Abstract of Judgment that will be a lien on the property. If you have any personal property of substantial value the property could be seized and sold. Also, your bank account can be levied for the debt so long as your name is on the account although you might not own the funds. Community property is subject to collection for the debt. Most likely the company will wait years to collect until your financial situation changes and may never be able to collect on the judgment. You will probably continue to receive calls and letters attempting to collect the debt for a long time. The judgment, if obtained by the credit card company or its collection company, will grow by 10% per year and the court will likely award interest to the date of the judgment, costs of suit and attorneys' fees. The judgment will be put on your credit report that will affect your ability to obtain credit in the future. A charge off of the account only means that the bank deems the account uncollectible and has removed it from its books by transferring it to another company. It does not mean you no longer owe it. After four years the credit card company cannot force you to pay the debt assuming they do not obtain a judgment before the four years. If you are sued after four years you will have to answer the lawsuit and claim that the debt is uncollectible because of the statute of limitations. If you do not anwers the lawsuit you will have waived the defense of the statute of limitations if the debt is over four years old.
The credit card company can sue you and get a judgment that is initially good for 10 years and renewable practically forever. They can drag you to court to answer questions under oath about your income and property and if you have any real property they can file an Abstract of Judgment that will be a lien on the property. If you have any personal property of substantial value the property could be seized and sold. Also, your bank account can be levied for the debt so long as your name is on the account although you might not own the funds. Community property is subject to collection for the debt. Most likely the company will wait years to collect until your financial situation changes and may never be able to collect on the judgment. You will probably continue to receive calls and letters attempting to collect the debt for a long time. The judgment, if obtained by the credit card company or its collection company, will grow by 10% per year and the court will likely award interest to the date of the judgment, costs of suit and attorneys' fees. The judgment will be put on your credit report that will affect your ability to obtain credit in the future. A charge off of the account only means that the bank deems the account uncollectible and has removed it from its books by transferring it to another company. It does not mean you no longer owe it. After four years the credit card company cannot force you to pay the debt assuming they do not obtain a judgment before the four years. If you are sued after four years you will have to answer the lawsuit and claim that the debt is uncollectible because of the statute of limitations. If you do not anwers the lawsuit you will have waived the defense of the statute of limitations if the debt is over four years old.
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Does secured debt limit half of total debt for a jointly owned property?

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Answered by attorney William Monroe Rubendall (Unclaimed Profile)
Bankruptcy lawyer at William Rubendall Attorney at Law
If a debt is jointly owned there is what is called "joint and several liability." The entire debt is owed by either one of the joint borrowers, so a bankruptcy of one does not cut the debt in half.
If a debt is jointly owned there is what is called "joint and several liability." The entire debt is owed by either one of the joint borrowers, so a bankruptcy of one does not cut the debt in half.
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Can you add the wildcard exemption to the homestead exemption to protect the exposed equity in you home in chapter 7?

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Answered by attorney Alan Emmerson Ramos (Unclaimed Profile)
Bankruptcy lawyer at Alan E. Ramos Law Offices
In California, you have two exemption statutes to choose from: CCP Sec. 703 and CCP Sec. 704. Under 704, you have homestead exemtions of $75,000 to $175,000, but no wildcard. Under 703, you have a homestead exemption, plus wildcard, totaling $25,340.00. You cannot combine 703 and 704; you have to choose one or the other.
In California, you have two exemption statutes to choose from: CCP Sec. 703 and CCP Sec. 704. Under 704, you have homestead exemtions of $75,000 to $175,000, but no wildcard. Under 703, you have a homestead exemption, plus wildcard, totaling $25,340.00. You cannot combine 703 and 704; you have to choose one or the other.
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