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Consumer Bankruptcy Attorney  Modesto Lawyer Serving Clients Throughout the Central Valley of CaliforniaMany people assume that bankruptcy is a sign of failure. At the Law Offices of Mark Girdner, we focus our entire practice on helping individuals through bankruptcy. As a law firm that handles bankruptcy cases every day, we can say with certainty that bankruptcy is neither a sign of failure nor should it cause embarrassment. It takes courage to recognize your financial situation for what it is, and make the decision to solve the problem. You can say, "I want a fresh start." These are the people we represent. From our Modesto office, we work with clients to discharge credit card balances, medical bills, personal loans, legal judgments, stop home foreclosures, stop creditor harassment, and more. Call our office at 209-568-4019 or contact us online to set up a free consultation with our dedicated bankruptcy lawyer. Helping You Find Your Fresh StartEven the most responsible people find themselves in situations that they never planned for. People filing for bankruptcy today are those facing: - Unexpected illnesses or injuries that lead to high medical bills
- The financial impact of divorce
- Lack of income from either reduced hours or the loss of your job
Two Main Types of Consumer BankruptcyChapter 7 Bankruptcy: Chapter 7 is a liquidation bankruptcy, aimed at completely liquidating all eligible debt in a relatively quick period of time. In most cases, you will not lose any property, and your retirement accounts are exempt. Chapter 13 Bankruptcy: Chapter 13 is a reorganization bankruptcy. In this case, debt is reduced to a manageable level and a 3-5 year, court-approved repayment plan is implemented. Learn more about your bankruptcy options. Arrange a free consultation with Attorney Mark Girdner. Call 209-568-4019 or contact us online.
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