Bankruptcy Attorney

Bankruptcy Attorney in Oceanside

Filing for bankruptcy can be an intimidating prospect, and attempting to handle it without the help of an experienced professional could result in dire financial consequences. Fortunately for those in Oceanside, The James Sexton Law Firm can provide a bankruptcy attorney to help you through this trying and complicated process. You may find it somewhat comforting to know that you are not alone. California has had some of the highest rates of bankruptcy declarations in recent history, reaching a historical peak of 251,396 in 2010 alone. Since 2006, the number of bankruptcies each year has steadily increased, and with the current economic instability, the situation is not likely to improve any time soon.

Those who file for bankruptcy in the city of Los Angeles will need a skilled and devoted bankruptcy attorney at their side to help guide them through the difficult and often treacherous process. The ideal bankruptcy attorney should of course be intimately familiar and up to date with California’s bankruptcy and debt laws and should be able to assess your situation accurately enough to come up with the best possible plan of action for dealing with the courts and debt collectors. Of equal importance, he must be highly detail-oriented, as unforgiving bankruptcy courts view just about any error as an attempt to deceive them and creditors. This can have disastrous consequences for a person filing a bankruptcy petition.

Bankruptcy petitions come in many different forms. A bankruptcy attorney will be able to explain the differences among Chapter 7, Chapter 11, Chapter 12, and Chapter 13 bankruptcy, and determine which chapter fits your circumstances. He will also be able to aid you in coming up with a sound plan to alleviate your debts and pay back your creditors in a timely manner and in a way that will put you in the best possible position under the circumstances to get on with your life.

Make no mistake about it: there are both benefits and drawbacks to filing for bankruptcy, and depending upon what sort of debts you’ve accumulated and what your finances are like, you may not even qualify. If you live in Oceanside and are not sure whether you meet the criteria to petition for bankruptcy, you’ll need a reliable and honest bankruptcy attorney to help you assess your current situation and determine whether bankruptcy is a viable option. If it is, you will want an expert bankruptcy attorney to guide you through the complicated process.

The James Sexton Law Firm specializes in bankruptcy cases and will be there every step of the way to guide you through what is likely to be a treacherous and nerve-wracking journey. If you live the Oceanside area and you feel as though you are drowning in credit card debt, student loans, or you’ve simply fallen on hard times like so many Americans have in this current economic climate, contact the James Sexton Law Firm for a free consultation. We will provide you with an elite bankruptcy attorney who will examine your case and give you an honest appraisal of the options available to you.

The decision to file for bankruptcy is not one that should be made lightly. Any bankruptcy will have long-term consequences for the individual’s credit, impacting his ability to buy a car or a house, or even costing him job opportunities. Even so, there are times when it may be the best option available. If you think you may be in one of those situations, call us today at (619) 476-9436 to set up a free consultation. Once we learn the details of your situation, we’ll be able to tell you if and how we can help you, and whether bankruptcy would be your best option. You’re in a difficult situation as it is. There’s no reason to go through it alone.