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

Carter Rich PC

4.0
10 Reviews

  • 716 South Main Street, Suite A1, Willits, CA 95490+1 location

  • Law Firm with 4 lawyers2 awards

  • The attorneys in the Mendocino County law firm of Carter Rich PC, rated AV by Martindale-Hubbell, provide independent, objective counseling for their clients as to the most... Read More

  • Bankruptcy LawyersReal Estate Law, Estate Planning, and 4 more

Brian C. Carter
Bankruptcy Lawyer
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Carter Rich PC

4.0
10 Reviews

  • Serving Willits, CA and Mendocino County, California

  • Law Firm with 4 lawyers2 awards

  • The attorneys in the Mendocino County law firm of Carter Rich PC, rated AV by Martindale-Hubbell, provide independent, objective counseling for their clients as to the most... Read More

  • Bankruptcy LawyersReal Estate Law, Estate Planning, and 4 more

Brian C. Carter
Bankruptcy Lawyer
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Looking for Bankruptcy Lawyers in Willits?

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
100 %

2 Client Reviews

PEER REVIEWS
4.3

18 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 I file a chapter 13 to save my home from being sold at auction due to delinquent property taxes?

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Answered by attorney Kathryn Ursula Tokarska (Unclaimed Profile)
Bankruptcy lawyer at Law Offices of Kathryn Tokarska
Yes provided that you meet the requirements to be able to file chapter 13 and there are a number of them. For example: you must have regular income, your debt does not exceed the debt limits of chapter 13, you can afford to bring the property taxes current with interest over a maximum period of 5 years while remaining current on the mortgage, etc. If this is your primary residence and you have a second mortgage and the property is worth less than the balance on the first mortgage you may even be able to get rid of the 100% unsecured second mortgage through something called a lien strip. Statistically, filing chapter 13 on your own without an attorney you can expect a success a rate of about 1% so research a local bankruptcy attorney with chapter 13 experience and discuss with them your situation to get an evaluation and determine if and how this option will help you.
Yes provided that you meet the requirements to be able to file chapter 13 and there are a number of them. For example: you must have regular income, your debt does not exceed the debt limits of chapter 13, you can afford to bring the property taxes current with interest over a maximum period of 5 years while remaining current on the mortgage, etc. If this is your primary residence and you have a second mortgage and the property is worth less than the balance on the first mortgage you may even be able to get rid of the 100% unsecured second mortgage through something called a lien strip. Statistically, filing chapter 13 on your own without an attorney you can expect a success a rate of about 1% so research a local bankruptcy attorney with chapter 13 experience and discuss with them your situation to get an evaluation and determine if and how this option will help you.
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Can I reaffirm the first mortgage and surrender the second mortgage on my home in a chapter 7 bankruptcy?

Max L Rosenberg
Answered by attorney Max L Rosenberg
Bankruptcy lawyer at Rosenberg Hite, LLC
There is only one way to discharge a second mortgage on a house that you own and that is a perilous and difficult process that I do not recommend. It involves the successful completion of a Chapter 7 bankruptcy and then subsequent to the discharge but prior to the closing, filing a Chapter 13 bankruptcy. Within the 13 you file a Motion to Determine the Dischargeability of a Secured Loan. The only way this works is if there is not one cent of equity to cover the second mortgage. There is a formal style Motion and a whole rigamarole that goes into this. If you are considering this, YOU NEED AN EXPERIENCED BANKRUPTCY ATTORNEY. You cannot do this alone.
There is only one way to discharge a second mortgage on a house that you own and that is a perilous and difficult process that I do not recommend. It involves the successful completion of a Chapter 7 bankruptcy and then subsequent to the discharge but prior to the closing, filing a Chapter 13 bankruptcy. Within the 13 you file a Motion to Determine the Dischargeability of a Secured Loan. The only way this works is if there is not one cent of equity to cover the second mortgage. There is a formal style Motion and a whole rigamarole that goes into this. If you are considering this, YOU NEED AN EXPERIENCED BANKRUPTCY ATTORNEY. You cannot do this alone.
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How can I stop being harassed after bankruptcy?

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Answered by attorney William Monroe Rubendall (Unclaimed Profile)
Bankruptcy lawyer at William Rubendall Attorney at Law
It sounds like the mortgage lender never foreclosed. Unfortunately, this means you are still the title owner. Try a letter to the lender. Ask them to initiate a foreclosure or allow a deed in lieu of foreclosure. You do not owe mortgage payments. Taxes and other property assessments are owed until foreclosure. Continue to send all bills relating to the property to the lender with a letter complaining about their failure to foreclosure. Let them know you intend to sue them if they ignore you. Also, seek an opinion from a real estate attorney. This is no longer a bankruptcy issue, so your prior attorney does not have to help you.
It sounds like the mortgage lender never foreclosed. Unfortunately, this means you are still the title owner. Try a letter to the lender. Ask them to initiate a foreclosure or allow a deed in lieu of foreclosure. You do not owe mortgage payments. Taxes and other property assessments are owed until foreclosure. Continue to send all bills relating to the property to the lender with a letter complaining about their failure to foreclosure. Let them know you intend to sue them if they ignore you. Also, seek an opinion from a real estate attorney. This is no longer a bankruptcy issue, so your prior attorney does not have to help you.
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