San Luis Obispo Bankruptcy Lawyer

Bankruptcy Services for San Luis Obispo & Santa Maria

If you are struggling to stay financially afloat due to unmanageable debt, you are probably feeling a great deal of stress and anxiety over your ability to provide for your family. If this is the case, you may be able to start financially anew by filing for bankruptcy.

The Law Offices of R. Morgan Holland, L.C., can advise and guide you through the entire process. With our help, debt relief could be within your reach.

How Can Bankruptcy Help Me Resolve My Debt?

Our Santa Maria bankruptcy lawyer has 30+ years of legal experience and has handled thousands of cases, including bankruptcy matters. We can carefully look into your financial situation and recommend which form of bankruptcy is right for you and your family.

Our bankruptcy attorney can help you file for any of the following kinds of bankruptcy:

  • Chapter 13 (reorganization) – This form of bankruptcy can reorganize your debt into manageable payment plans over a period of several years. Any debt that remains may likely be discharged.
  • Chapter 7 (liquidation) – This bankruptcy is also known as liquidation bankruptcy because it allows for the liquidation of your nonexempt assets to pay off your debts. You must meet certain income qualifications to be eligible for Chapter 7 bankruptcy. In most cases, our clients are able to keep all of their assets and still receive a discharge of their debts.

Our team in San Luis Obispo can guide you through the entire bankruptcy process, including helping you with filing all the necessary paperwork so you never feel overwhelmed or confused about your options. When you entrust your bankruptcy matter to us, you can feel peace of mind in knowing that your case is in good hands.

How Can Bankruptcy Help Me Regain Control of My Life?

Bankruptcy has many benefits other than debt resolution. Filing for bankruptcy can also be the first step for regaining control of your finances and your life.

When you file for bankruptcy, an automatic stay is immediately implemented. The automatic stay stops most collection efforts from your debtors, including:

  • Harassing communications
  • Foreclosure
  • Wage garnishments
  • Repossessions
  • Utility disconnection

If you need to save your home or car, stop a garnishment of your paycheck, or want to end constant phone calls from creditors, bankruptcy may be the right choice for you. Learn more about bankruptcy benefits on our FAQs page.

Let Our Bankruptcy Attorneys Help You Find a Solution to Your Debt

Our firm understands that if you are contemplating filing for bankruptcy, you are probably concerned about the financial cost of retaining legal representation. This is why we proudly offer all our clients a complimentary case analysis with our legal team. This 30-minute, in-person meeting allows us to explain a person's legal options while also providing them with an estimated timeframe and cost for their case.

For the results-driven and reliable legal guidance you need for your bankruptcy case, please do not hesitate to get in touch with us as soon as possible.