Bankruptcy Attorneys in Roseville, CA
Why Do I Need a Bankruptcy Attorney in Roseville?
For most people, declaring bankruptcy is a last resort, but sometimes, it may be the right answer. If your bills are out of reach, your mortgage is in arrears, or you're suffering excessively from other financial difficulties, talk to a Roseville bankruptcy attorney at Cecil Cianci Law, PC, in Roseville, California.
As Sacramento and Roseville experience sharp turns in the economy and significant fluctuations in real estate values, many residents in the area are facing the same realities as you. At our law firm, we know it's not easy to contemplate a mortgage foreclosure or bankruptcy. Our Roseville bankruptcy lawyers will give you personal attention and listen as you help us understand how your circumstances evolved. The more we know, the better we can help you understand how to improve your financial situation.
Should You File for Bankruptcy? What Are Your Options?
Your situation is unique. You are not the only individual or family this has happened to, but your circumstances are uniquely yours. You want an attorney who recognizes the originality of your case. We'll work with you to explain the law and your options to determine whether bankruptcy is the right option for you. If not, then our bankruptcy attorneys will help you find the right solution for your financial difficulties.
How Much Does Bankruptcy Cost in Roseville, CA?
It's likely that you want to know how much a bankruptcy will cost if you're thinking about filing. In general, bankruptcy is less expensive than other legal proceedings such as divorce and criminal defense. There are three major expenses involved in filing for bankruptcy: attorney fees, court filing fees, and credit counseling fees.
- Attorney Fees: Hiring an attorney will be the largest expense when filing for bankruptcy. At a time of uncertainty, we offer competitive rates to best serve our clients' interests. Our competitors charge more than us.
- Court Fees: When you file a chapter 7 bankruptcy petition, you will be required to pay a court filing fee of $338 unless your fee waiver application is approved.
- Credit Counseling: Before filing for bankruptcy, you must complete credit counseling, and you must also take a personal financial management course after filing. Most providers charge between $10 and $15 per course.
Don't File for Bankruptcy Too Late, or Wait Too Long to Deal With Foreclosure
Is bankruptcy the right answer for you? Is this the right time to file for it? The choices you make today will help define your future. For example, it may be better to file for bankruptcy than to tap into your retirement fund, which will be safely protected through the bankruptcy process.
Are you behind on your mortgage? Act now, and you may be able to avoid foreclosure as well as bankruptcy. Our bankruptcy attorneys will review your situation in detail and provide a complete and comprehensive solution. Know your options. Talk to a lawyer who cares about your future.
Your first bankruptcy consultation with Cecil Cianci Law, PC, is FREE!
Your personal consultation will give you a chance to get answers to your questions so you can make an informed, educated decision about your future. No matter what your choice — bankruptcy, settlement workout, or foreclosure — our Roseville bankruptcy attorneys can help you resolve your financial struggle and get a fresh start.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.