Riverside Bankruptcy Lawyers
Guiding Clients to a Better Financial Future
If you have issues with debts and taxes and you definitely know that you need help with paying your debts because it’s gotten out of control, then you may want to consider hiring someone who can help you file for a Chapter 11 or a Chapter 13. With such a high-stakes matter, you want to hire some of the top bankruptcy lawyers in Riverside. Look no further than SM Law Group, APC. Our team has helped countless individuals and families get out of debt and are available to provide you with options during this difficult time.
A Team of Bankruptcy Advocates
The SM Law Group, APC team is comprised of John Sarai and Kian Mottahedeh, partners with the firm. Their practice is located conveniently at 3890 11th Street, 1st floor, Suite 110, in Riverside, California. The benefits to utilizing our team are that you can rest assured knowing that if you have an overwhelming amount of debt you can’t sort through yourself, our team can approach your situation from various angles and provide you with options. We can file for bankruptcy on your behalf and put a stop to creditor calls and harassment.
Can I Benefit from Filing for Bankruptcy?
Because our team focuses on different types of bankruptcy, we can help you to better understand Chapter 7 and Chapter 13 options. If you choose Chapter 7, you may find that this wipes out all of your unsecured debt. It also helps to put a stop to harassing calls from creditors right away.
This can be beneficial for someone who may have a problem where they had:
- A sickness or sudden hospitalization
- A job loss or drop in work hours
- Financial hardship
- A separation or divorce
- A death of a spouse taking away your primary source of income
When you file for Chapter 13, this is a little bit different in that you are going to be restructuring your payments. This will give you a grace period stretched out over a few years so you can pay your creditors back over three to five years.
How a Bankruptcy Attorney Can Help
Bankruptcy can be complicated, even for the most simple of Chapter 7 cases. Although you don't necessarily need to hire an attorney to file for bankruptcy, it is recommended to help maximize your chances of an effective bankruptcy filing that protects your best interests.
A bankruptcy lawyer can guide you through the entire process, including:
- Helping you decide between Chapter 7 or Chapter 13
- Educating you on what debts can be discharged and what you can keep
- Filing your bankruptcy petition with the required paperwork
- Representing you in creditor hearings
- Taking action on your behalf in the event of creditor abuse
Your attorney knows the laws and the most effective way to navigate the bankruptcy process, which can save you on time and stress.
Mortgage Issues & Foreclosures
If you are struggling with your mortgage and you’re facing foreclosure, our team can help. You may have options as it relates to filing for Chapter 13. We may ask you about the value of your home – if it’s less than the amount that’s owed on the actual first mortgage, you may be able to get this tied into your Chapter 13.
Bankruptcy is not something that you want to take lightly – it’s something that you have to consider, and you need to speak to an attorney to understand this particular type of process and all that it entails.
Break Free from Your Debt & Start Fresh
Sometimes you need a fresh start, and a lot of people don’t realize that by filing for Chapter 7 or 13, this actually gives you a way to have your creditors stop coming after you for the particular debt that you owe. When you file a Chapter 7, you have an opportunity to rebuild your credit, even if it will take a hit initially.
Some people who consider bankruptcy as an option may find that not only are they able to get back on track, but they’re able to:
- File for new credit cards and get approvals
- Get new car loans
- Apply for home loans usually after about two years
Bankruptcy should not be a cheap way to file so you can have your debts eliminated because you just don’t want to pay. Rather, bankruptcy is to be used as an emergency resource if you don’t have the option, or any other viable alternative with which to pay your bills.
Helping Debtors Pursue Financial Freedom
Our practice is about helping people and businesses to be able to deal with debt negotiations or bankruptcies to ensure that they have a voice and representation. Contact us today so we can discuss your options. No one wants to feel alone or like they don’t have answers when they have debts beyond their control. That’s why we’re here for you.
For compassionate legal representation, call (818) 805-1758 to reach our Riverside bankruptcy attorneys. We’ve guided countless clients to the other side and can provide you with the same service.
Individual v. Credit Card Company (harassing phone calls) $175K settlement
Small Business Chapter 7 Over $750,000 Debt Discharged
Individual v. Credit Card Company (harassing phone calls) $250K Settlement
Individual Chapter 13 $100,000 of Unsecured Debt Discharged
Individual v. Credit Card Company (harassing phone calls) $150K Settlement
Individual v. Credit Card Company (harassing phone calls) $300K Settlement
Individual Chapter 7 Over $1 Million Debt Discharged
Individual v. Credit Card Company (harassing phone calls) $280K Settlement
Hard working- Former Client
I would recommend them to anyone.- Joshua N.
Great working with you guys!!- Hermes P.
They were awesome and spent time with me over the phone and answered my questions.- Shawn M.
I was extremely happy and satisfied with my settlement and outcome of my case.- Dan N.
Thank you, Kian, for your professionalism and expertise!- Nathan N.
The absolute best when it comes to handling bankruptcy!- Anna G.
John and the representative who met me at the courthouse were very thorough and guided me every step of the process.- Evitha B.
They made a very stressful situation much easier for me.- Lenny DcComics
I have never experienced more professional care. My phone calls and emails were answered within 5 minutes!- Lenka Wallace