Debt Relief
Are you plagued by medical, credit, personal loans, or tax debts? Are you afraid to answer your phone, open your mailbox, or answer your door because debt collectors are harassing you? You are not alone.
At Jarratt Law, P.C., Amanda Jarratt can represent you in your Chapter 7 or Chapter 13 Bankruptcy matter. Amanda is licensed in both states and works with clients who live in Northern California and Oregon. Bankruptcy courts hold virtual and telephone hearings, allowing you and your attorney to appear remotely no matter where you are physically located. Together we evaluate your personal circumstances and help you to decide how to best protect yourself from collections, judgments, and liens. If you need help to put an end to the calls, the threats, and the agony of financial stress, we are here to take that burden on for you. We can negotiate with your creditors, including the IRS. We can represent you in federal Bankruptcy court. With our help, you can rest easy and focus on rebuilding your financial house.
For some people, the best strategy will be to do nothing or very little. Perhaps you are judgment-proof, or a debt collector is attempting to collect a debt he is no longer legally allowed to collect. If so, we can coach you on how to deal with your creditors, or we can send cease-and-desist letters to stop the harassment.
More often than not, doing nothing is not the best solution, which is why you should not take that option unless advised to do so by an attorney. For most of us, creditors and debt collectors are not going to go away. You could be sued, have your wages garnished, have your bank accounts emptied, or have a lien placed on your house. You have the power to stop creditors from using these collection methods against you. By filing a bankruptcy petition, lawsuits against you will be stayed immediately pending review by the bankruptcy court. Wage garnishments, levies, and liens will no longer be available to your creditors, giving you time to solve your debt issues.
We work with individuals (and couples) who need a fresh start or Chapter 7 bankruptcy. Under Chapter 7 of the Bankruptcy Code, you and your spouse can quickly dissolve all of your consumer debt. Chapter 7 is designed to help people who are without substantial assets. Your income must be below a certain amount, or you must have enough expenses to pass a means test. If you do not qualify for a Chapter 7 Bankruptcy, you may qualify for a Chapter 13 Bankruptcy, often called a wage earner bankruptcy. Under Chapter 13, you make payments on your debts based on the amount of income you have in excess of your living expenses. You can also keep the property so long as it does not exceed the preset values. Assets are exempt up to a certain value, depending on which court your case is filed in. Working with Amanda, you will determine which chapter meets your needs and maximize your exemptions under a Chapter 13.
