San Jose Consumer Bankruptcy Lawyers
People file bankruptcy petitions for all kinds of reasons. Some have had their life savings decimated because of a major illness. Others, especially in recent times, have lost their jobs or experienced a significant decrease in income. Many too have found themselves in financial trouble because of "easy credit." Whatever the reason, there does come a time when struggling to stay afloat on your own just doesn't make sense anymore.
At Diemer, Whitman & Cardosi, LLP, we help consumers in California's Silicon Valley and the Bay Area to find their way out from under crushing debt problems. In some cases, we use the bankruptcy process to do this. In others, we can and have used alternatives to bankruptcy just as effectively. In every case, we do our utmost to see that our clients get the meaningful debt relief they need.
For a free initial consultation about consumer bankruptcy issues, contact an attorney at Diemer, Whitman & Cardosi, LLP.
Exploring All of Your Debt Relief Options
Consumer bankruptcy is one way to achieve a fresh financial start, but it is not the only way. You have other options.
For instance, if the primary source of your financial trouble is a mortgage that is too big for your budget (as is the case for many California homeowners), obtaining a loan modification or convincing your mortgage holder to agree to a short sale may provide exactly the relief you need, without the credit consequences or other consequences of the bankruptcy process.
In working with you, our attorneys begin by reviewing your financial situation to see if you qualify for bankruptcy protection in the first place. If so, it must still be determined whether Chapter 7 or Chapter 13 consumer bankruptcy is appropriate given the available property exemptions, the type and amount of debt you owe, and other factors.
If you are not eligible to file for debt relief under either Chapter 7 or Chapter 13, we will help you evaluate the full range of other available options, including Chapter 11 bankruptcy, loan modification and debt consolidation.
To learn more about all of your debt relief options, including consumer bankruptcy, call or contact Diemer, Whitman & Cardosi, LLP, in San Jose, California, and schedule a free initial consultation.
