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California Repossession Law: What To Expect And How To Avoid It #california #bankruptcy #law


California Repossession Law: What To Expect And How To Avoid It

Last updated April 15, 2016.

When a creditor comes to repossess your car. boat, or other property, do you know what to do? Here s what you need to know about California repossession law.

When can a creditor repossess my property in California?

Creditors generally retain the right to repossess the property you acquire with a purchase money loan. The most common example is an auto loan. so we’ll use that throughout the article. Keep in mind that the same applies to any property that is collateral for a loan. So, you borrow money to buy a car and the car secures the debt. If you stop paying, the lender can reclaim the property. It may choose to sue and get a judgment against you, but it’s not required as long as the repossession is peaceful.

In California, the lender may repossess your car as soon as you default on the loan, even if the payment is just one day late. The specific terms of your loan agreement may give you a grace period, so read it carefully. West’s Ann. Cal. Com. Code §§ 9601, 9609. In addition, the lender is entitled to repossess after default of any kind on the loan agreement. That means that not only is your car at risk if you miss a payment or pay late, but if you break another term of the loan agreement. For example, auto loans require that you keep the car insured. If you allow your insurance to lapse, your lender has the right to repossess.

You don’t have to be present for the lender to repossess your car. They can take the property from any publicly accessible area, including your driveway. However, a repossession agent can’t break into your house or into a locked or fenced area without permission from the legal owner of the property (you or your landlord).

Of course, just because the lender has the right to repossess doesn’t necessarily mean that it will do so. It’s much easier and cheaper for the lender if you simply continue to make your payments. They’ll only act to repossess if they believe that you’re not going to pay or that you’ll destroy the collateral.

Who can repossess property?

In California, two different types of individuals may repossess your car. First, your lender may hire a repossession agency. Repossession agencies must be licensed by the California Department of Consumer Affairs’ Bureau of Security and Investigative Services (BSIS). They must show you a BSIS ID if you ask for it. You can verify the license online or call BSIS at (916) 322-4000. An employee of the legal owner (probably the bank or the dealership) may also repossess the property; they don’t have to be licensed by BSIS.

After repossession, you ll have to pay for the storage of any personal items left in the car and some lone agreements may require you to pay the costs of repossession and storage of the car itself.

How can I avoid repossession?

If you honor the all of the terms of your loan agreement, the lender cannot repossess your car. If you default on one or more terms, you are at risk for repossession. There are, however, steps you can take to prevent it.

Reinstate the Loan

If you’ve missed one or more payments, the best option is pay all of the missed payments and all applicable late fees at once. This is called “reinstating the loan” or “curing the default.” Your loan agreement may or may not include provisions for reinstatement, but California law protects your right to reinstate the loan even after repossession, until the property is sold or otherwise disposed of. If you falsified information on your loan agreement, hid the car, used it to commit a crime, damaged the vehicle, or threatened violence against the repossession agent, you lose the right to reinstate the loan. In addition, you can only reinstate a loan once every 12 months and a maximum of twice over the course of the loan.

Contact Your Lender

If you can’t afford to pay all of your missed payments and late fees at once, you may reach out to your lender to ask for other options. Repossession is time consuming and expensive and many lenders will be willing to work with you to avoid that option. You may be able to negotiate a longer grace period or a lower interest rate, which will make payments easier.

Sell the Property

You may choose to sell the car yourself. If your car is repossessed, the lender will dispose of it at auction. If the car sells for less than you owe, you’re liable for the difference. If you organize a private sale, you’ll probably get a better price than you would at auction. Selling the car may be difficult, though. It will require the approval of your lender and they can refuse the sale for any reason or no reason at all. However, you may be able to use the lender’s refusal to protect yourself from liability for the deficiency if they receive less at auction than your private buyer offered.

Surrender the Property

You can also choose to surrender the car. You still lose it, but you may be able to negotiate a surrender as full payment of the loan. Then you won’t have to worry about a deficiency after the auction.

Refinance Your Loan

You can offer to refinance through the original lender or through a different lender. A refinanced loan will usually have a longer term, which means you’ll be paying more interest overall. If you choose to refinance, make sure that you can afford your new loan. Make sure it has a lower interest rate than your current one and don’t forget to check the fees. Consider also whether it’s worth refinancing. A new loan may last three to five years or more. If your car is already older, it may not be worth refinancing.

File for Bankruptcy

If you’re having trouble with more than one loan, bankruptcy may be a good option for you. When you file for bankruptcy, you get the protection of the automatic stay. The automatic stay stops all collection actions against you – including repossession. The bankruptcy process will give you some time to organize your finances without worrying about waking up and finding your car has been repossessed. Most debtors can keep their cars and other property through bankruptcy. In addition, you may only have to repay the loan up to the value of the car rather than repaying the full amount of the loan. Bankruptcy is a serious measure for serious debt problems, so reach out to an experienced bankruptcy attorney to discuss whether it’s the right choice for you. If you car has been repossessed, but not yet sold at auction, you still can get the vehicle back through a Chapter 13 bankruptcy .

Don t let repossession take you by surprise.

Whenever you take out a loan, read the entire agreement carefully and make sure you understand everything in it. It will include details about a grace period and the steps your lender will take if you miss payments. If you are going to fall behind on your payments, start considering your options for avoiding repossession. The earlier you act, the easier it is to keep your car.

If you have missed several payments on your loan and are facing property repression, contact one of our experienced attorneys at Borowitz Clark. We have years of experience helping thousands of consumers successfully resolve their financial issues.

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Philadelphia Products Liability Attorney, Arthur Bugay, 800-222-8792, bankruptcy attorney lancaster pa.#Bankruptcy #attorney #lancaster #pa


Pennsylvania New Jersey Personal Injury Lawyer

Arthur Bugay is a Partner in the law firm of Galfand Berger. After obtaining his Bachelor s and Master s Degrees in Economics from Temple University, he attended Temple Law School, graduating with honors. Arthur also has two Master of Law degrees from Temple University, one in Taxation and the other in Trial Advocacy. Arthur s practice areas include Products Liability, Construction Accident litigation, Personal Injury litigation, Negligent Security and Employment law.

Arthur is admitted before the Pennsylvania and New Jersey Supreme Courts, United States Court of Appeals for the Third Circuit, the United States District Courts for the Eastern, Middle and Western Districts of Pennsylvania and the United States District Court for the District of New Jersey. He is a member of the American Bar Association, the Pennsylvania and New Jersey Bar Associations, the Philadelphia Bar Association, the American Association for Justice, the Pennsylvania Association for Justice, and the Philadelphia Trial Lawyers Association. He is a Fellow of the Academy of Advocacy, serves on the Amicus Curiae Committee of the Pennsylvania Association for Justice, and serves on the Pennsylvania Bar Association’s Exceptional Child Committee. He is “AV” rated as an attorney by Martindale-Hubbell. Arthur is also a member of the Multi-Million Dollar Advocates’ Forum and has been selected every year since 2011 to the Pennsylvania Super Lawyers list, an honor only given to the top 5% of more than 34,000 Pennsylvania lawyers. Additionally, Arthur has been included in The National Trial Lawyers Top 100 Trial Lawyers – Pennsylvania.

In June 2012, Arthur received the George F. Douglas, Jr., Amicus award from the Pennsylvania Association for Justice. This award is given to a Pennsylvania trial attorney in recognition of his or her exceptional accomplishments and excellence in litigation and advocacy before Pennsylvania’s highest courts.

Arthur has published several articles related to his practice, including:

  • A New Era In Pennsylvania Products Liability Law Tincher v. Omega-Flex, Inc.: The Death of Azzarello, Pennsylvania Bar Association Quarterly, (January 2015)
  • Tincher v. Omega Flex, Inc.: A Lightning Strike On Pennsylvania Products Liability Law, 64 A.3d 626 Pennsylvania Bar Association Quarterly, (January 2014)
  • Minority Shareholder Freeze-Out Litigation In Pennsylvania: Remedies provided At Common Law And By Section 1767 Of The Pennsylvania Business Corporation Law1, Pennsylvania Bar Quarterly, (July 2013)
  • The Future of Pennsylvania Products Liability As Applied by Federal and State Courts:Covell v. Bell Sports, Inc. , Pennsylvania Bar Quarterly, (October 2012)
  • Pennsylvania Products Liability at the Crossroads: Bugosh, Barrier and the Restatement (Third) of Torts, 81 Pa.B.Q. 1 (January 2010)
  • Bugay, Adrianensen, Document Retention and Destruction in Pennsylvania (2008)
  • Product Liability Developments Under the New Pennsylvania Evidence Rules and Recent Litigation , 77 Pennsylvania Bar Quarterly, (January 2006)
  • Protecting Your Child s Educational and Civil Rights , Exceptional Child Conference, Harrisburg, Pennsylvania, October 15, 2004
  • Civil Prosecution For Criminal Harm: Apportionment of Fault in Inadequate Security Cases , Chapter in Pennsylvania Premises Liability: Law and Forms (PaAJ) and 74 Pennsylvania Bar Quarterly 93 (July 2004)
  • Residential Construction Defect Claims in Pennsylvania , Lorman Group, March 26, 2004
  • Bankruptcy and Personal Injury Law: When Worlds Collide , PBI, October 2003
  • Construction Payment Remedies in Pennsylvania , National Business Institute, February 2003
  • Pennsylvania Construction Law: What do You do When ? National Business Institute, March 2001
  • Evidence Law Update in Pennsylvania Products Liability Actions , PaAJ, May 1999
  • The Pennsylvania Statutory Employer Defense: a Plaintiff s Perspective , 69 Pennsylvania Bar Quarterly 29 (January1998)

In addition to his work in the firm s Personal Injury Department, Arthur is an advocate for disabled and injured children and for the elderly, the latter focusing upon nursing home negligence. He is an active volunteer for the indigent and has been honored with the Award for Outstanding Service by the Consumer Bankruptcy Assistance Project. He provides volunteer legal services for the Legal Clinic for the Disabled. Arthur also has taught economics at Temple University and economics and business law at Moravian College. Arthur currently teaches Products Liability law at Temple University’s Beasley School of Law. Arthur has served on the Board of Directors for the Disabilities Rights Network of Pennsylvania, a non-profit statewide public interest civil rights law firm that provides legal assistance and other services to individuals with disabilities.

Arthur is a member of the Shawmont Running Club. He has run several marathons to raise money for the American Diabetes Association, the Leukemia and Lymphoma Society, and for the ALS Association of Philadelphia. In 2009, he was Pennsylvania s regional top fundraiser for the American Diabetes Association and completed the Lake Placid Ironman, a 140.6 mile triathlon, as a charitable event for this non-profit charity. In 2012, Arthur created “Miles for Melissa” as part of his fundraising efforts for the ALS Association and to track his training for the “Chesapeake Man,” another 140.6 mile triathlon event for non-profit fundraising.

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ATGF Colorado Utah Minnesota North Dakota Title Insurance #bankruptcy #attorney #denver #co


Recent Announcements

  • Attorneys Title Guaranty Fund, Inc. Adds Brian Phillips to Team For Immediate Release Denver, Colorado March 27, 2017 Eric Morgan, President of Attorneys Title Guaranty Fund, Inc. (ATGF) of Denver, Colorado, is pleased to announce that the company has named.
    Posted Mar 29, 2017, 1:21 PM by web admin
  • ATGF Reports Record Profits For Immediate Release Denver, Colorado March 3, 2017Eric Morgan, President of Attorneys Title Guaranty Fund, Inc. (ATGF) is pleased to announce the 2016 annual statement reports a net profit.
    Posted Mar 6, 2017, 1:37 PM by web admin
  • ATGF Added to the Approved Master Title Underwriter List of Wells Fargo Mortgage Banker Finance Group January 18, 2017 I’m pleased to announce that Attorneys Title Guaranty Fund, Inc. has been added to the Approved Master Title Underwriter List of Wells Fargo Mortgage Banker Finance.
    Posted Jan 25, 2017, 5:48 AM by web admin

About ATGF

With more than 50 years of experience serving Colorado, Minnesota, Utah and North Dakota. ATGF is uniquely suited to provide title insurance guidance to its agents and to consumers.

Expanded Colorado Title Searches

We’re expanding title searching capabilities to all 64 counties in Colorado! Title searches are delivered via EPIC to greatly streamline your workflow and reduce error rates.

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ATGF’s Electronic Policy Issuance Capability (EPIC ® ) provides title agents of all sizes with world-class technology – at no cost to the agent. EPIC ® combines the leading-edge electronic underwriting capabilities with unprecedented policy issuance management, our user-friendly design sets a new benchmark in title insurance technology.

Become an Agent

Apply to become an ATGF agent and learn how our level of service, support and technology helps independent agents in Colorado, Utah, Minnesota and North Dakota.

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Arrow Law Group PLLC #bankruptcy #law #group


Hire a lawyer who will speak to you like a human being. Compassionate representation. That’s us.

Minh Tran is a very knowledgeable attorney with an excellent staff. His firm handled my difficult debt relief case very satisfactorily and my case breezed right through the court system without any problems. Highly recommended.

After two of the very worst years of my life, I contacted Arrow Law group out of a last act of desperation before everything fell apart. I expected recrimination, lawyer-speak, chastisement. What I got was true compassion.

What We Do

Family Law

  • Dissolution/Divorce
  • Legal Seperation
  • Parenting Plan
  • Support Order
  • Enforcement of Order
  • Custody and Adoption


  • Chapter 7 fresh start
  • Chapter 13 or 11 debt restructuring
  • Stop garnishments
  • Stop foreclosure
  • Mitigate loss Foreclosure Fairness Act
  • Foreclosure defense
  • Electronic Bankruptcy Filing

Personal Injury

  • Brain Damage
  • Personal Injury
  • Auto Accident
  • Assault & Battery
  • Slip & Fall
  • Police Brutality
  • Bicycle Accident
  • Wrongful Death
  • Malpractice
  • Defamation

Criminal Defense

  • Driving under the influence or while impaired (DUI/DWI)
  • Felonies
  • Misdemeanors
  • Theft and shoplifting
  • Assault & battery
  • Federal and State Charges
  • Trespassing and disorderly conduct
  • Drug-related offenses

Real Estate

  • Real Estate Transaction
  • Landlord/Tenant
  • Shortsales Negotiation

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New Jersey Lawyers – Find a New Jersey Lawyer at NJ Lawsite #new #jersey


If you need to choose a New Jersey lawyer by County, view our County Directory. Simply choose the County you need and you will be taken to the appropriate County Directory of Law Firms, which also states their areas of expertise.

If you prefer choosing an attorney by practice area, then view our Practice Area Directory. Choose the New Jersey law practice area you are interested in and you will be taken a Directory of Law Firms showing all of their contact information and a hyperlink to their website.

If you know the NJ lawyer you are searching for, then click Onsite Search . Our powerful on-site search engine allows you to search by keyword, name, or town.

Read about our New Jersey Lawyers making headline News!

Choose a New Jersey Lawyer by Practice Area:

Would you like an in-depth look at your lawyer before hiring them?
Visit our New Jersey Lawyer Blogs where we interview members on their law practice.

This Month’s Featured Firm

Proudly serving the New Jersey
legal community since 1996

Disclaimer – New Jersey LawSite and/or AJIS.com make no endorsements as to the professional qualifications of the new jersey lawyers listed in our Directory. We do not assume responsibility for any services provided by our participants. The information contained in our Websites does not constitute legal advice. This information is not intended to create, and does not create an attorney-client relationship. An attorney-client relationship will exist following a consultation and entering into a written agreement.

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Divorce Lawyer New York #bankruptcy #lawyer #nyc, #bankrutpcy #lawyer #new #york, #bankruptcy #attorney #nyc,



The Law offices of Boris Nikhman PC have been successfully aiding the citizens of New York, and the surrounding areas, in many diverse areas of legal expertise. As a supporting figure in the community, for the past 12 years, Boris Nikhman has reciprocated greatly to the neighborhood and has now expanded the business to a Manhattan office. He has successfully represented clients from all avenues of life in countless legal issues. Mr. Nikhman is well known in his community as the considerate neighborhood attorney yet he maintains a high profile in the New York court system with a stellar reputation for courtroom skills and professionalism. For the best representation for any legal matter call the office of Boris Nikhman PC and get an attorney whose foremost concern is for you and your well being.

For a Brooklyn New York attorney call us today at 646-727-5016
We will represent all your legal needs.

The Law Offices of Boris Nikhman PC have experience and proficiency in a broad array of practice areas with special focus on bankruptcy, divorce, immigration issues and real estate. They are here for any legal issues that may arise in your personal life or business and handle each case as if it was their most important, while maintaining a close and personal relationship, with every client, by keeping the lines of communication open at all times.

The expertise areas of practice include, but are not limited to, the following:

  • Divorce. Contested or uncontested, by publication, separation agreements, annulment and name change.
  • Bankruptcy. Personal including Chapters 7 and 13. Business including Chapter 11
  • Immigration Law. Immigrant and Non-Immigrant Visa issues. Deportation defense. Illegal detainment.
  • Tax and Corporate Law.
  • Non-Profit Organizations
  • Real Estate Law
  • Will Probate
  • Wills, Trusts and Estates
  • Elder Law
  • Matrimonial. Pre-nuptial agreements
  • 1031 Exchange

Legal issues arise sooner or later in everyone’s life, without exception, and when they do it is best to have an attorney that is already in place and poised to aggressively represent you while at the same time having your rights, protection and defense as his primary motivations.

Do not wait until you need a lawyer. Have us on your team, ready for when the inevitable day arrives.
Call the Law Offices of Boris Nikhman PC, your front line attorneys.

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Personal Injury #delaware #bankruptcy #law


We focus on Delaware Personal Injury, Bankruptcy, Criminal and Divorce Law

Whether you’re dealing with a financial hardship, the effects of a criminal charge such as a DUI. the dissolution of your marriage or an injury from an auto accident. we can fight to protect your assets, rights and freedom. We will also work tirelessly to secure any financial compensation you’re entitled to receive.

Hurt in an Accident? Let Us Deal With the Insurance Companies

There are many common types of accidents leading to serious injury and legal claims:

What do all of these incidents have in common? In many of these cases, someone’s negligence or recklessness may have contributed to your injuries, even if you did nothing wrong. For example, in a car accident, you may have been obeying all the road rules only to find yourself injured in a collision because another motorist was driving while drunk or distracted. In cases where you’re hurt by someone else’s recklessness or negligence, the law allows you to pursue a legal claim against the negligent party’s insurance company.

If you were hurt at work or in a car accident, it’s normal to assume your insurance company will cover your medical expenses. Unfortunately, many people discover that their insurers are only willing to pay a fraction of their medical bills.

This doesn’t mean your insurance company shouldn’t pay — what it actually means is you need legal professionals with personal injury experience to deal with the insurance companies and fight for what you deserve to receive. Insurance companies are focused on making a profit, and this means they are often reluctant to pay out the full amount possible in each case. At the same time, medical expenses can be quite high, so if you don’t get the insurance money you deserve, you could end up with overwhelming debt. Rahaim & Saints understands this difficult situation, and we routinely go to work on behalf of plaintiffs who have been injured. Our goal is to seek justice and fair compensation for individuals have been injured in Delaware.

Have you been injured at work? The laws governing worker’s compensation are far from simple. Often, they were designed to protect employers’ interests first, leaving those injured with the burden to defend their right to compensation. That’s where we come in.

For over two decades, Rahaim & Saints have been representing clients in worker’s compensation and personal injury matters. We fight aggressively for the compensation needed to rebuild your life and secure a better future. Whether you need a back injury lawyer, an auto accident attorney or a wrongful death lawyer in Delaware. contact Rahaim & Saints. Our personal injury lawyer specializes in building cases and can aggressively represent the best interests of clients in front of judges.

Get Help Navigating the Complexities of a Criminal Case

While driving under the influence (DUI) is considered a misdemeanor, being convicted could mean serious penalties with lifelong consequences. From large fines and losing your license to jail time, a DUI conviction can hurt your career, negatively affect your quality of life and more. If you have been charged with a DUI, contact Rahaim & Saints for a DUI attorney with extensive experience.

Our criminal attorneys in Delaware have been representing clients charged with all types of criminal offenses for over 20 years. From fraud, shoplifting, and disorderly conduct to the most serious charges — such as domestic assault and vehicular homicide — the criminal defense and drunk driving lawyer at Rahaim & Saints can help you get your charges dismissed. We may also be able to help you strike a plea that protects your future and assets, or effectively argue your case against a judge.

Let Us Help if You’ve Been Charged With a Crime

Our team represents Delaware clients against a range of criminal charges, including:

Criminal charges may be brought against you falsely and you may need aggressive representation to clear your name and prove your innocence. Attorney Andrew Rahaim and his legal team work with investigators, paralegals and other professionals to mount the strongest defense and to help uncover any inconsistencies in the evidence against you. For example, if a DUI test has been administered incorrectly and this results in a false positive, our team can seek evidence to clear your name.

If you have made a mistake and need legal representation, our team of professionals can also represent you so you have the fairest chance in court to protect your future. It’s important to remember in these instances that every American has a legal right to due process and to fair treatment under the law. With representation from Rahaim & Saints, you can rest easy knowing your rights are being aggressively protected.

A criminal charge can throw your personal and professional life into turmoil. If you want to work with attorneys who have experience dealing with criminal cases like a DUI and will be able to explain your options throughout this process, get in touch with us to discuss your case and what we can do as your criminal defense team.

Bankruptcy Can Mean a New Beginning

Over one and a half million Americans file for bankruptcy each year, and medical bills are the most common reason individuals file for bankruptcy. If you or a family member had a serious medical emergency or chronic problem, the bills may simply be too much to handle. This can happen even if you have insurance.

While bankruptcy isn’t the solution for every financial challenge, it can be the right option for taking control of your financial future. By contacting us for a consultation, we’ll be able to evaluate your specific situation and provide our opinion on whether bankruptcy or another avenue is the right path to go down.

Many people see bankruptcy as a financial disaster, but this legal process actually protects you. Bankruptcy is simply a legal process that lets you reach an agreement with your creditors when you cannot repay what you owe. During a bankruptcy, your credit rating will be lowered and you may have to sell off some of your assets — but you will also get a chance to protect some of your biggest assets, such as your house or retirement accounts, so you can protect your future. Once you file your bankruptcy, you immediately stop repossession, collection and foreclosure action. After your bankruptcy is complete, many of your qualifying debt will be eliminated so you can focus on rebuilding your finances.

You have two options if you decide to file for bankruptcy. Chapter 7 bankruptcy is usually used for unsecured debts like credit cards, and it can eliminate some of what you owe. You need to meet certain income limits to qualify. Chapter 13 bankruptcy is often used for mortgage, spousal support, child support debts and for those who don’t qualify for Chapter 7. Chapter 13 bankruptcy rearranges your debts and makes them more affordable rather than just forgiving them. If you’d like to explore your bankruptcy options or need representation or help with the process, contact Rahaim & Saints for a consultation.

Our bankruptcy lawyer, Tiffany Poole, has extensive experience in all matters of financial concern — from chapter 7 and Chapter 13 to child support, credit card debt and medical bill relief. When your future is being threatened by mounting bills and uncertainty, contact the bankruptcy attorney in Delaware who will take the time to listen to your unique situation.

Protect Yourself From Being Blindsided During a Divorce

Even if a divorce starts out on friendly grounds, there’s always a chance that it will take a negative turn. Because your financial assets and family rights are on the line, it’s a good idea to protect yourself from the very beginning. We will work to protect you throughout the course of your divorce. as well as represent your best interests in all negotiations.

If you’re facing a legal matter and want to work with Delaware attorneys who have always provided personalized service to their clients, call us today at 302-832-1800 – Newark Location or 302-892-9200 – Wilmington Location for a free Personal Injury, Bankruptcy, or Criminal/DUI case analysis or a low cost divorce case analysis.

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St louis personal injury attorney #st #louis #personal #injury #attorney, #st. #charles #bankruptcy #attorneysst.


Overwhelmed with debt? You have options.

Protect your familiy, not you creditors.

  • Do you owe more than you make?
  • Are you having trouble paying your mortgage?
  • Is your credit card debt out of control?
  • Are you facing foreclosure or repossession?
  • Do you feel overwhelmed?
  • Do you need help?

Unemployment, divorce, poor health, and financial mistakes can leave a person unable to pay bills. If you are having financial problems, you are not alone. In 2010, more than one and a half million Americans filed for bankruptcy. Bankruptcy can offer those who are overwhelmed with debt the opportunity for a fresh start.

Our bankruptcy attorneys at A L, Licker Law Firm, LLC have expertise in all aspects of Missouri bankruptcy law. If you need help, we can help you determine if filing bankruptcy is a good option for you.

Will Declaring Bankruptcy Help Me?

Bankruptcy is a federal court process designed to provide both individuals and businesses with relief from serious debt problems while treating creditors fairly. The two types of bankruptcy most commonly used by individuals are Chapter 7 and Chapter 13 bankruptcy.

Bankruptcy may be an option if:

  • You pay so much in credit card debt that you cannot pay basic living expenses such as food, utilities and transportation.
  • You are using your credit cards to pay off other credit cards.
  • You cannot make your minimum monthly credit card payment.
  • You are several months behind on your mortgage and cannot catch up on missed payments.
  • You are facing foreclosure on your home.
  • You have missed car payments.
  • You are facing repossession of your car or other belongings.
  • Your wages are being garnished.
  • You are afraid to answer the phone because of creditor harassment.

When bankruptcy is not right for you, there may be other options. Contact the attorneys at Licker Law Firm at (636) 916-5400 to learn more.

It is not too late to call!

By law, bankruptcy provides an automatic stay on all debts during the bankruptcy process. This means that as soon as the paperwork for a bankruptcy is filed, all collection actions are paused. All foreclosures, garnishments, attachments, lawsuits, collection calls and letters must stop.

If you are facing foreclosure in Missouri or Illinois, call Licker Law Firm immediately at (636) 916-5400. Contact our office to schedule a free consultation. Our attorneys will determine if bankruptcy is right for you and which form of bankruptcy will work for best in your situation. Once you hire us, we will prepare the bankruptcy petition and fill it on your behalf.

For more information, request our free book: Everything You Need To Know About Bankruptcy . The book explains the bankruptcy process in Missouri and how it can help you to get a fresh start.

1861 Sherman Drive

A L, Licker Law Firm, LLC provides bankruptcy, personal injury and family law legal services to residents of St. Louis County, St. Charles County and Jefferson County, Missouri, including the cities of St. Charles, St. Louis, Florissant, O’Fallon, St. Peters, Wentzville, Troy, Lake St. Louis, Bridgeton, Hazelwood, Ferguson and the surrounding area.

Disclaimer: The use of our web site is for informational purposes only, it does not creat an attorney-client relationship. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code. The choice of a laywer is an important decision and should not be based solely upon advertising.

Blog for Bankruptcy

Library for Bankruptcy:

Frequent Questions for Bankruptcy:

Videos about Bankruptcy:

  • Can I stop my creditors from harassing me?
  • How does my income impact my bankruptcy?
  • Can I Keep My Tax Refund When I File for Bankrutpcy?
  • Why Cant I File the Bankruptcy without an Attorney
  • Avoid Turning Over funds from a Personal Injury Claim
  • Personal Injury Claims and the Bankruptcy Estate
  • Filing taxes after bankruptcy
  • Tax Refunds and Your Bankruptcy
  • Business and Bankruptcy
  • Post petition debt
  • Dismissal of Chapter 13 Part 2
  • Dismissal of Chapter 7 – Part 2
  • Dismissal of Chapter 13 Part 1
  • Dismissal of Chapter 7 – Part 1
  • My car got repossessed. There is nothing I can do to get is back right?
  • Taxes were due prior to filing. They are discharged right?
  • Chapter 7 or Chapter 13
  • What do I need for meeting with attorney?
  • Choice of an Attorney
  • Chapter 13 process Part 1

    Web Resources for Bankruptcy:

    Description: Many clients are concerned about their decision to file for bankruptcy. The link leads to an article of the American Bankruptcy Institute that provides a checklist for the questions if bankruptcy is the right option.

    Description: Raymond Schimmel, 1094 Cudahy Place, Suite 310, San Diego, California 92110

    Description: C. Park Barton, Jr.
    2621 7th Street
    Tuscaloosa, AL 35401

    Description: John D. Faucher, Hurlbett Faucher, 5743 Corsa Ave. Suite 208, Westlake Village, CA 91362, 3324 State Street, Suite O
    Santa Barbara, CA 93105

    Description: ED LOPEZ LAW, 3600 Wilshire Boulevard Suite 1716. Los Angeles. CA .

    Description: David M. Axinn,104A Hollidaysburg Plaza;Duncansville, PA 16635

    Description: Fort Lauderdale Bankruptcy Attorney Donnie Goodwin,200 SE 6th Street Suite 404 Fort Lauderdale, FL 33301

    Description: Tomes Hanratty PC, 30 Broad Street, Freehold, NJ 07727

    Description: Orange County Bankruptcy attorney will help you with chapter 7 and chapter 13 bankruptcy fillings and get you debt free.

    Description: TAMPA OFFICE (Main Mailing): 406 N. Morgan Street, Tampa, FL 33602, ST. PETERSBURG OFFICE: 3530 1st Ave. N, St. Petersburg, FL 33713

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  • Los Angeles Bankruptcy Lawyers – Local Attorneys & Law Firms in Los Angeles, CA


    Los Angeles Bankruptcy Lawyers, Attorneys and Law Firms – California

    Need help with a Bankruptcy matter?

    You’ve come to the right place. If you’re experiencing financial difficulties and are considering bankruptcy or have already filed for bankruptcy, a bankruptcy lawyer can help.

    Bankruptcy lawyers can determine if bankruptcy is right for you, or advise you on debt relief options — including Chapter 7 debt discharge plans, Chapter 13 debt repayment plans, and Chapter 11 reorganization.

    Use FindLaw to hire a local bankruptcy lawyer to help with debt settlement, and stop wage garnishment.

    Need an attorney in Los Angeles, California?

    FindLaw’s Lawyer Directory is the largest online directory of attorneys. Browse more than one million listings, covering everything from criminal defense to personal injury to estate planning.

    Detailed law firm profiles have information like the firm’s area of law, office location, office hours, and payment options. Attorney profiles include the biography, education and training, and client recommendations of an attorney to help you decide who to hire.

    Use the contact form on the profiles to connect with a Los Angeles, California attorney for legal advice.

    How do I choose a lawyer?

    Consider the following:
    Comfort Level – Are you comfortable telling the lawyer personal information? Does the lawyer seem interested in solving your problem?
    Credentials – How long has the lawyer been in practice? Has the lawyer worked on other cases similar to yours?
    Cost – How are the lawyer’s fees structured – hourly or flat fee? Can the lawyer estimate the cost of your case?
    City – Is the lawyer’s office conveniently located?

    Not sure what questions to ask a lawyer?

    Here are a few to get you started:

    • How long have you been in practice?
    • How many cases like mine have you handled?
    • How often do you settle cases out of court?
    • What are your fees and costs?
    • What are the next steps?

    Want to check lawyer discipline?

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