It can feel like stepping off a cliff to make the decision and admit you are not able to pay your debt, even if you've seen the signs of that fact for some time. It creates an uncomfortable feeling in the pit of your stomach, and conjures up all sorts of fears. You never intended to be in this situation so how did you end up here? It feels confusing and uncertain.
You cannot let these feelings persist. You need to get objective and expert advice to know what to do next and start feeling better. You will not start feeling better until you do.
If you're experiencing financial stress last thing you need is more stress because your attorney is not focused on bankruptcy law, or does not have efficient procedures and well trained staff in place. At Law Offices of Steven B. Lever, or as we call it "LeverLaw" for short, we have learned the complexities of bankruptcy law so you don't have to. We have a highly efficient system for handling your case no matter how demanding or complex your financial situation. We make it as easy as possible to comply with your duties as a debtor, in a step by step process that we've streamlined in a constant effort to apply best practices and improve our client experience. While no one wants to file bankruptcy, if you have to, you want it to be as seamless an experience as possible.
Almost two decades of experience practicing bankruptcy law has given LeverLaw a deep well of experience to draw upon in advising clients. Yet while experience is important, so is adaptability. The radical changes in the law enacted by BAPCPA in 2005 required a complete overhaul and revision of all procedures for filing consumer cases. LeverLaw saw these changes as an opportunity to increase the level of service.
Some financially distressed folks think they cannot file bankruptcy because they make too much money and the new laws under BAPCPA prevent them from filing. That may be true under Chapter 7, but more often than not I find people who think they cannot file under Chapter 7 actually can do so. Some people who could file under a Chapter 7 choose to file a Chapter 13 instead because only in that chapter can they strip off their second mortgage. Don't assume you don't qualify for bankruptcy. Get an expert opinion. Also, I encourage you to read my website thoroughly and you may want to start with section on bankruptcy myths to make sure you have not been misinformed about some of the most common misconceptions related to this area of the law.
- Foreclosure
- Lawsuits
- Eviction
- Wage Garnishments
- Bank Levies, and
- Any other collection against you, including creditor harassment.
We take responsibility to only accept good cases for either Chapter 7 or Chapter 13 bankruptcy and to put into the right chapter for your situation if bankruptcy is right for you. We also make sure that if you need a second mortgage or judicial lien stripped that you are fully advised of that option. Also, filing bankruptcy often necessitate that you make a series of decision in deciding how to prepare for the filing, and these decisions require good counseling to make sure you make the best decision for you. This is the process LeverLaw is particularly adept at, because we know that it is your life and the decisions you make for you and your family are highly personal. However, you will make those decisions with full knowledge of every consideration I believe is relevant and in your best interest.
We only file bankruptcies to make people's lives better. Sometimes a bankruptcy is not appropriate, especially if your main concern should be survival, and not necessarily dealing with your creditors if you're down to your last dollar and it is a choice between eating and bankruptcy, then you should wait to file a bankruptcy later, if and when you can afford it.
LeverLaw takes into consideration all aspects of financial planning when preparing bankruptcies and advising clients how best to take advantage of their fresh start. Steven Lever earned a certificate in Personal Financial Planning from the University of California, Irving in 2003 and takes financial planning considerations into account when advising clients every stage of the bankruptcy process.
Bankruptcy is a critical care approach to debt management for use when a client is truly insolvent. Most attorneys only look at that situation and figure they are done when they have made the client solvent again. But then what? Leverlaw makes sure you take the best possible advantage of your fresh start by pointing you in the right direction for focusing your future energy and resources on improving your fiscal health for the long run with concrete advice.
We represent clients in Southern California in the counties of Orange, Los Angeles, Riverside, and San Bernardino. Examples of these communities are Alhambra, Baldwin Hills, Beverly Hills, Bell Gardens, Bellflower, Brea, Buena Park, Carson, Colton, Commerce, Compton, Corona, Costa Mesa, Covina, Culver City, Cypress, Dana Point, Diamond Bar, Dominguez Hills, Downey, Duarte, Fountain Valley, Fullerton, Garden Grove, Glendale, Glendora, Harbor City, Hawaiian Gardens, Hawthorne, Hermosa Beach, Huntington Beach, Irving, La Habra, Lakewood, La Mirada, Lancaster, La Verne, Lawndale, Lomita Long Beach, Los Alamitos, Los Angeles, Lynwood, Manhattan Beach, Moreno Valley, Palm, Mission Viejo, Springs Palmdale, Paramount, Pasadena, Pico Rivera, Pomona, Rancho, Cucamonga, Rancho Palos Verdes, Redondo Beach, Riverside, Rosemead, San Fernando Valley, San Pedro, Santa Ana, San Clemente, Santa Fe Springs, Santa Monica, Signal Hill, South Gate, Stanton, Torrance, Twenty-nine Palms Upland, Venice, Westminster, Whittier, and more.
Our clients really do come from all these areas, but you don' t have to drive down to Long Beach to see us. They most often review documents with us over the internet in preparing for the case.
For a free consultation, call The Bankruptcy Law Office of Steven B. Lever today to speak with an experienced bankruptcy attorney. We want to help you get the relief you need and deserve. We will review your cases and offer a flexible payment plan which is customized to your unique situation.
