Sacramento Bankruptcy Attorney

Bankruptcy Can Be a New Beginning

Whether due to job loss, illness, divorce, or wages that simply do not keep up with the increased cost of living, many individuals and families in California find themselves in financial distress. Hardworking people find themselves facing constant phone calls, lawsuits, judgments, wage and bank account garnishment, calls at work that threaten your job security, foreclosure, and eviction.

If you are feeling overwhelmed with unmanageable debt, it might be time to consider filing for bankruptcy. Hiring a good lawyer is crucial to your success. The Sacramento bankruptcy lawyer at the Law Office of Gilbert B. Vega can guide you through the process and manage your case from start to finish.

Types of Bankruptcy

The U.S. Bankruptcy Code outlines several different Chapters under which you can file for bankruptcy. The right type of bankruptcy for your situation will depend on several factors such as your income, the amount of debt you are in, and the value of your assets.

At the Law Office of Gilbert B. Vega, we can help you file:

  • Chapter 7 bankruptcy
  • Chapter 11 bankruptcy
  • Chapter 13 bankruptcy

What is the Income Limit for Chapter 7 in California?

If your total monthly income over the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and don't have the option of filing Chapter 7.

Can I Keep my House if I File for Chapter 7 in California?

You can keep your house if you file for chapter 7 bankruptcy if the equity of the house is not more than the homestead exemption available for the state in which debtor is filing. California has 2 'systems' of bankruptcy exemptions.

Automatic Stays

Federal bankruptcy law provides for an "automatic stay," which requires debt collection companies to cease activity on your accounts immediately once a bankruptcy petition has been filed. Gilbert B. Vega and our highly experienced team can work tirelessly to protect your legal rights and stop debt collection companies from breaking the law. Creditors and debt collectors who fail to halt their efforts against you place themselves in danger of being the target of contentious, costly legal action that signals your unwillingness to forfeit the protections afforded by law.

The automatic stay is the bankruptcy equivalent to a temporary injunction against virtually all creditor activity that might advance the creditor's interest at the expense of the debtor. It also provides the debtor immediate calm amidst the storm of their financial difficulties.

We Make it Easy to Get a Fresh Start

When it comes to bankruptcy, each case is different and must be carefully evaluated by an experienced lawyer. At the Law Office of Gilbert B. Vega, our Sacramento bankruptcy lawyer can assess your situation and determine the right path forward.

When you reach out to our firm, all messages are promptly returned. We pride ourselves on our ability to offer flexible appointment times to meet the needs of all our clients.

Real Results

From Cases Like Yours
  • Not Guilty
    First Degree Murder
  • Case dismissed after 20 hours community service
    Grand Theft
  • Identity theft count dismissed at trial
    Identity Theft
  • Client found not guilty at trial
    Rape of a Child
  • One year of county jail/five years' probation
  • Case Dismissed.
  • Case dismissed at preliminary hearing.
  • Case Dismissed prior to trial
    Disobeying a Court Order

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