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What Are My Options for Bankruptcy? Integrity & Commitment To Client Service

What Are My Options for Bankruptcy?

Roseville Bankruptcy Options Attorney

Is bankruptcy the right answer for you in your situation? Talk to a lawyer who knows how to assess individual circumstances to find out. If there is another, better way to solve your financial difficulties, we will help you find it at Cecil Cianci Law, PC, in Roseville, California.

Call (916) 675-3866 for a free bankruptcy consultation with an attorney.

When you are suffering from the day-to-day pressures of financial problems, it can be hard to determine all your options. Can you avoid bankruptcy? How? If you can't, what will the bankruptcy process look like?

Our lawyers will assess your options and offer legal advice.

At our law firm, we know most people would prefer to resolve their financial problems without filing for bankruptcy. All solutions — whether they involve bankruptcy or not — have advantages and disadvantages. Contact an attorney who will help you examine all your options, give you the pros and cons of each, help you with creditor negotiations, and guide you through the process you have chosen.

When You Owe More Than You Can Pay, How Can You Avoid Bankruptcy?

In cases where one or two obligations are causing most of your financial problems, it may be better to seek ways to solve those problems rather than file for bankruptcy. For example, you may be able to avoid foreclosure of your home mortgage with a short sale or deed in lieu of foreclosure. Alternatively, you may want to restructure loans from secured or unsecured creditors.

Before you sign a restructured loan, however, you should get legal advice to make sure you understand all the conditions. Before you agree to a short sale or deed in lieu of foreclosure, be sure to talk to an experienced lawyer like Cecil Cianci Law, PC.

How Can an Attorney Help Me?

If bankruptcy turns out to be the best option, we can help.

There are times when bankruptcy is the best option given the circumstances. Our lawyers can help you decide if Chapter 13 bankruptcy (reorganization of debts) or Chapter 7 bankruptcy (liquidation of debts) is right for you.

Know your options. Ask how you can avoid bankruptcy.

The first bankruptcy consultation is free at Cecil Cianci Law, PC. Our Roseville bankruptcy lawyers will work with you to find the appropriate legal strategy for your circumstances. No matter what you decide, we can help you get a fresh financial start. To arrange your free consultation, contact us online or via phone at (916) 675-3866.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

Client Success Stories

  • Jaime B.

    Sensitive to needs with my children, my time and my dollars

  • Lauren S.

    Helped me feel safe, important and always had my back

  • Jamey S.

    I've never met an attorney I felt I could trust like Melissa

  • Krishna V.

    Takes time to discuss the case and answers all my questions patiently and calmly

  • Stacy O.

    She will ensure that you're taken care of

  • Ryann D.

    Has your best interest at heart and cares

  • Alyssa R.

    A seamless process thanks to Melissa and the team of attorneys and support staff

  • Dana A.

    Extremely knowledgeable, organized and professional!

  • Amber B.

    A truly personal and professional attorney

  • Scott R.

    Could not be happier with the help they offered me through a tough time

  • Eric R.

    I felt cared for and protected

  • Tami M.

    Made both sides feel extremely comfortable with the agreement and outcome

  • Gary B.

    Does her "homework" to best represent her client

What Makes Us Different? 

  • Big Firm Experience, Small Firm Approach
  • Unique Approach & Personalized Strategy For Every Case
  • Helping You Maintain Your Way of Life After Divorce
  • Educate Our Clients So They Can Make Informed Decisions
  • Transparent Representation Based on Honesty & Integrity
  • Nearly Five Decades of Combined Experience

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