AV Preeminent Peer Rated Attorneys
Newbury Park 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
Newbury Park Residents, consider several factors when selecting a lawyer ... Learn More
AV Preeminent Peer Rated Attorneys
Newbury Park 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).

Law Offices of Michael R. Sment

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  • Serving Newbury Park, CA and Ventura County, California

  • Law Firm with 1 lawyer1 award

  • Bankruptcy Attorney Ventura; Real Estate Attorney Ventura; Business Attorney Ventura; Collection Attorney Ventura; Foreclosure Attorney; Bankruptcy Attorney Oxnard; Real Estate... Read More

  • Bankruptcy LawyersReal Estate, Business Law, and 2 more

  • Free Consultation

Michael R. Sment
Bankruptcy Lawyer
Compare with other firms

Creighton A. Stephens

  • Newbury Park, CA 91319-0003

Georgene E. Pantelas

  • 4540 Via Pluma, Newbury Park, CA 91320-6960

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Looking for Bankruptcy Lawyers in Newbury Park?

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 %

2 Client Reviews

PEER REVIEWS
4.1

3 Peer Reviews

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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.

Can we be liable for a deficiency judgment?

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Answered by attorney Tony E. Carballo (Unclaimed Profile)
Bankruptcy lawyer at Carballo Law Offices
If only one mortgage then no deficiency judgment possible in California if the bank sells the house at a trustee's sale. If more than one mortgage, then the second may sue you in some cases since after the foreclosure the second mortgage becomes just an unsecured personal loan. The 1099-C issue is a tax issue and not a bankruptcy issue although any bankruptcy case (Title 11 cases including Chapters 7, 11, 12 and 13) eliminates liability on a 1099-C (cancellation of debt income). There are other ways to eliminate cancellation of debt taxable income (reported on a 1099-C) such as insolvency and if it is your home that was foreclosed (up to a limit). See IRS Form 982 for additional information. You should discuss the tax problems resulting from foreclosure with a tax expert, such as a tax attorney, CPA or Enrolled Agent.
If only one mortgage then no deficiency judgment possible in California if the bank sells the house at a trustee's sale. If more than one mortgage, then the second may sue you in some cases since after the foreclosure the second mortgage becomes just an unsecured personal loan. The 1099-C issue is a tax issue and not a bankruptcy issue although any bankruptcy case (Title 11 cases including Chapters 7, 11, 12 and 13) eliminates liability on a 1099-C (cancellation of debt income). There are other ways to eliminate cancellation of debt taxable income (reported on a 1099-C) such as insolvency and if it is your home that was foreclosed (up to a limit). See IRS Form 982 for additional information. You should discuss the tax problems resulting from foreclosure with a tax expert, such as a tax attorney, CPA or Enrolled Agent.
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What happens when your bankruptcy attorney's application for employment is denied?

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Answered by attorney William Monroe Rubendall (Unclaimed Profile)
Bankruptcy lawyer at William Rubendall Attorney at Law
An attorney whose employment as debtor's chapter 11 attorney is denied must refund the full fee upon request, unless the bankruptcy court makes a ruling approving payment of fees.
An attorney whose employment as debtor's chapter 11 attorney is denied must refund the full fee upon request, unless the bankruptcy court makes a ruling approving payment of fees.
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How can I reaffirm a car loan?

Richard B. Jacobson
Answered by attorney Richard B. Jacobson (Unclaimed Profile)
Bankruptcy lawyer at Richard B. Jacobson Associates, LLC
Contact the creditor-preferably in writing-and let them know you wish to reaffirm the car loan. You must get the reaff. done and filed with the Court before you get a discharge. Best bet, retain an experienced bankruptcy lawyer. It's almost always worth the investment.
Contact the creditor-preferably in writing-and let them know you wish to reaffirm the car loan. You must get the reaff. done and filed with the Court before you get a discharge. Best bet, retain an experienced bankruptcy lawyer. It's almost always worth the investment.
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