CONSUMER FINANCE

 Ask yourself this:

 

  • Do you need an attorney who understands your personal financial situation?
  • Do you need an attorney who can prepare an individualized strategy to get you out of debt?

Debt Relief Made Simple

We combine experience and knowledge with an aggressive, results-oriented approach to protect your rights against debt collectors. Depending on your unique situation we will either negotiate your debt or fight against lawsuits filed by banks, credit card companies or any debt collector. Oftentimes, debt collectors would rather settle with you than take a chance on going to trial or getting nothing if you file for bankruptcy. Lead attorney Jill Harris realizes that some clients cannot afford thousands of dollars in attorney’s fees, so she works with people who need affordable payment plans.

Are You Being Sued By A Debt Collector?

Did you know that a large portion of debt collection lawsuits are invalid? Debt collectors often do not have sufficient documents to prove their case. Even if they do, you may have defenses: the debt could be too old, the case could be under the wrong legal theory or they may be charging illegal fees.

If any of these things are true, you don’t have to sit down and let a judgment take your hard-earned wages. Talk to an experienced debt defense lawyer at Harris Consumer Law.  We may be able to stop the lawsuit and wipe the debt from your credit report – without filing bankruptcy!

Call us for your FREE consultation to begin preparing your defense.

Call (916) 572-9410

When All Else Fails

 

Bankruptcy Options

Bankruptcy laws give people burdened by debt the chance to get rid of overburdening debt and get a fresh start financially. Federal bankruptcy laws such as Chapter 7 and Chapter 13 are here to protect you while you recover financially. Only bankruptcy can save your home, relieve mortgage debt, eliminate credit card, medical, vehicle, tax and other burdensome debt.

What is Chapter 7 bankruptcy?

Chapter 7 bankruptcy is a court process that is designed to wipe out credit card debt, medical debt, and other types of unsecured debts for people who can no longer afford to repay them.

How does Chapter 13 differ from Chapter 7?

Chapter 13 allows you to pay your debts over an extended period using a court-approved, supervised, and enforced payment plan. Not all creditors need be paid in full and unpaid amounts will be discharged. Since uninformed filers have less than 10% success rate with getting a plan approved, schedule a free consultation to learn the basics.

Why do people choose to file Chapter 7 over Chapter 13 bankruptcy?

Chapter 7 tends to have lower fees. However, you cannot file for Chapter 7 until you have paid all the fees. You can start a Chapter 13 more quickly since the fees can be paid over time.

How can filing for bankruptcy help with creditors?

The minute you hire an attorney to file your bankruptcy, the court will notify all your creditors of your bankruptcy filing and tell them that they may no longer call you or write you letters. If your creditors continue to harass you after receiving notice of your bankruptcy, they are subject to sanctions by the bankruptcy court.

Do I have to file for bankruptcy if I am in debt?

No. If you can pay your bills when they’re due, it’s a good idea to do so. However, if your debts are significantly more than your assets and income, bankruptcy might be your best option.

Can I apply for a new credit card once I have filed?

Your credit card company will decide whether you can keep your credit card after your bankruptcy. If you have a balance on the card that you are trying to eliminate in bankruptcy, that company will cancel your card. Even if you had a zero balance with the company before bankruptcy, the company may still decide to terminate your account.

Bankruptcy is a powerful remedy, very affordable but not without limitations. Call us today to determine if this option is best for your unique situation.

When is bankruptcy not a good option?

  • Student loans
  • Most taxes
  • People with valuable assets (like a paid-for vehicle or almost-paid-for home)
  • People with high incomes

Consulting Harris Consumer Law today could save you thousands of dollars from debt collectors. Not consulting us could ruin your credit and cost you more in the long run. Don’t wait!

Call (916) 572-9410

Gain financial stability.

Give us the facts and we’ll take care of the rest.