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

Williams & Williams, Inc.

4.5
22 Reviews

  • Serving Tecopa, CA and Inyo County, California

  • Law Firm with 1 lawyer3 awards

  • Behind on Payments? We Can Help You Save Your Home & Eliminate Your Second Mortgage. Located in Bakersfield Over 35 Years.

  • Bankruptcy LawyersChapter 7 Bankruptcy, Chapter 13 Bankruptcy, and 18 more

Robert Stanley Williams
Bankruptcy Lawyer
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Looking for Bankruptcy Lawyers in Tecopa?

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
86 %

7 Client Reviews

PEER REVIEWS
4

2 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.

What is the difference between chapter 7 bankruptcy and loan modification? How?

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Answered by attorney Ronald K. Nims (Unclaimed Profile)
Bankruptcy lawyer at Ronald K. Nims
A loan modification means that the lender will stretch out your loan to lower the payments. So instead of paying $1,000 a month and paying off the loan in 12 years, you'll have to pay $800 a month and pay off the loan in 30 years. A loan modification will only affect the loan which is being modified, so unless the second mortgage lender also agrees to a modification, their lien remains on your property. Bankruptcy allows you to pay off any past due amounts in the first mortgage over five years and eliminate the unsecured second mortgage.
A loan modification means that the lender will stretch out your loan to lower the payments. So instead of paying $1,000 a month and paying off the loan in 12 years, you'll have to pay $800 a month and pay off the loan in 30 years. A loan modification will only affect the loan which is being modified, so unless the second mortgage lender also agrees to a modification, their lien remains on your property. Bankruptcy allows you to pay off any past due amounts in the first mortgage over five years and eliminate the unsecured second mortgage.
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How long does it take to get a petition for bankruptcy?

Michael O'Leary
Answered by attorney Michael O'Leary
Bankruptcy lawyer at Hayward, Parker O'Leary
For a Chapter 7 bankruptcy it is usually 90 days between the date that the petition is filed and the date that your Discharge is entered. The issue of how long it takes to actually get the petition filed is usually within the client's control. There is considerable information and numerous documents that must be provided to the attorney, the client must get together the fee that the law firm is charging, and the firm needs a little time to process the petition once the information and documents are provided.
For a Chapter 7 bankruptcy it is usually 90 days between the date that the petition is filed and the date that your Discharge is entered. The issue of how long it takes to actually get the petition filed is usually within the client's control. There is considerable information and numerous documents that must be provided to the attorney, the client must get together the fee that the law firm is charging, and the firm needs a little time to process the petition once the information and documents are provided.
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If the bank is sueing me for overdraft fees, am I violating my Chapter 13?

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Answered by attorney Kevin W. Bruning (Unclaimed Profile)
Bankruptcy lawyer at Bruning & Associates, P.C.
Are you sure you are being sued? Did you receive notification of a lawsuit in the mail or via a process server in person? Or are you just getting notices in the mail or on your bank statement about overdraft fees? Did the overdraft exist before you filed for bankruptcy, and they are just suing you for it now? There is a lot of information needed in order to tell you how to handle this situation. If the overdraft existed pre-bankruptcy, and they are actually suing you now, you should probably see if you can include the money owed in a modified chapter 13 plan, though you may have to answer for why they weren't listed as a creditor when you filed originally. If they were listed on your bankruptcy but didn't chime in until now, they may be in trouble for attempting to collect against you. If they are just fees that you are seeing on your statement because you became overdrawn at one point, then it's an expense you can probably pay and try not to incur in the future.
Are you sure you are being sued? Did you receive notification of a lawsuit in the mail or via a process server in person? Or are you just getting notices in the mail or on your bank statement about overdraft fees? Did the overdraft exist before you filed for bankruptcy, and they are just suing you for it now? There is a lot of information needed in order to tell you how to handle this situation. If the overdraft existed pre-bankruptcy, and they are actually suing you now, you should probably see if you can include the money owed in a modified chapter 13 plan, though you may have to answer for why they weren't listed as a creditor when you filed originally. If they were listed on your bankruptcy but didn't chime in until now, they may be in trouble for attempting to collect against you. If they are just fees that you are seeing on your statement because you became overdrawn at one point, then it's an expense you can probably pay and try not to incur in the future.
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