Sacramento Bankruptcy Attorney

Conlon & Fong, Attorneys at Law, is a Bankruptcy Law Practice. We are committed to helping people protect their assets while discharging their debts in Bankruptcy. We will determine if Bankruptcy is a viable option for you, and if so, provide proficient, accurate, and protective representation. Sacramento Bankruptcy Attorney Mr. Conlon and Sacramento bankruptcy Lawyer Mr. Fong have represented thousands of people in Bankruptcy cases, and have a combined 26 years of legal experience. We have the experience that is necessary to properly evaluate, prepare, and file your case.

• UP TO YOUR EYES IN DEBT?
  
• FREE CONSULTATION
  
• IMMEDIATE APPOINTMENTS
  
• FACING FORECLOSURE?
  
• SATURDAY APPOINTMENTS
  
• STOP CREDITOR CALLS & THREATS
  
• REPRESENTED CLIENTS IN OVER 5000 BANKRUPTCY CASES
  
• ATENDEMOS SUS PROBLEMAS DE BANCAROTA EN ESPANOL
  
• KNOWLEDGEABLE, EXPERIENCED, HARD WORKING LAWYERS
  
• SPEAK DIRECTLY WITH A LAWYER, NOT A PARALEGAL
  

We're Sacramento bankruptcy attorneys. We help you get out of debt and get a fresh start. Our services include:

Chapter 7 Bankruptcy
This is the most common chapter in personal bankruptcy. Though Chapter 7 is described as liquidation, a Chapter 7 case usually permits you to get rid of debts, usually without having to lose any of your assets. Consumer debts are typically wiped out. The most common exceptions are recent year taxes, student loans, support obligations, and fines/penalties. A person filing a Chapter 7 Bankruptcy often can begin the credit recovery/rebuilding process as soon as the case is completed, about 3 or 4 months after filing.

Chapter 13 Bankruptcy
Known as reorganization, a Chapter 13 bankruptcy permits you to repay debts if you feel you would benefit from repayment. One of the most common Chapter 13 objectives is to reorganize to get caught up on mortgage delinquency, over a period of 3 to 5 years. Other objectives in filing a Chapter 13 case is to pay debts not otherwise discharged, such as taxes or support, or simply to make partial payments to unsecured creditors. Because of complexities of filing Chapter 13 paperwork in the Sacramento/Modesto Bankruptcy Courts, solid knowledge of the local filing requirements is a must to successfully file and navigate through a Chapter 13 case.

If you are having financial hardship and are considering filling for bankruptcy, please call our office at (916) 971-8880 for a FREE confidential bankruptcy consultation.

Conlon & Fong
6825 Fair Oaks, Blvd., Suite 101
Carmichael, CA 95608

TEL: (916) 971-8880
FAX: (916) 481-3975

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."

Links:
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Sacramento Bankruptcy

The greatest weapon available against bill collectors and other abusive debt collection practices is the Fair Debt Collection Practices Act, or the FDCPA for short. This federal law bans unfair debt collection practices like those described above. At least, the FDCPA bans such actions by bill collectors working for collection agencies. It doesn't apply to the practices of individual creditors attempting to collect money owed to them.

If you are having financial hardship and are considering filling for bankruptcy, contact a Sacramento bankruptcy attorney by calling (916) 971-8880 for a FREE confidential Sacramento bankruptcy consultation.

Or you may click here to fill out our FREE Confidential Bankruptcy Case Consultation form and a Sacramento bankruptcy lawyer will contact you shortly.

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."

Conlon & Fong
Sacramento Bankruptcy Office
6825 Fair Oaks, Blvd., Suite 101
Carmichael, CA 95608
TEL: (916) 971-8880
FAX: (916) 481-3975

Conlon & Fong
Stockton Bankruptcy Office
1151 West Robinhood, Suite C8
Stockton, CA 95207
TEL: (209) 475-0499

Sacramento Bankruptcy Attorney
Sacramento Bankruptcy Lawyer

The FDCPA force collection agencies and their employees to follow specific rules when attempting to collect a debt. In particular, the law requires that collection agencies do the following:

Stop contacting you if you give them a written request to do so. Likewise, they are supposed to stop contacting you if you dispute the debt in writing.

Within five days of initially contacting you, the collection agency should send you a written notice that identifies the debt and the creditor. This notice must also notify you of you right to dispute the debt or to request the name and address of the original creditor if it is different than the name of the current creditor (if, for example, your account had been sold to another bank).

If you dispute part or all of the debt, the collection agency must stop attempting to collect on the disputed part of the debt until the creditor responds to your dispute.

If the collection agency wants to sue you (on behalf of the creditor) it must, in most cases, dos so in the same county or judicial district in which you now live or in which you originally signed the contract.

All of these rules are very helpful in reducing the abuse debtors sometimes get. In particular, the rule requiring collectors to leave you alone if you tell them to do so in writing can be helpful, if they obey the law. You can attempt to use this rule to buy yourself some peace while you try to get your financial life back in order. The hyenas might have you marked out as their pray, but the law allows you to keep them at bay with a simple letter stating that you dispute the debt or asking them to stop contacting you. Trouble, is the actual collectors often deny that they received such a letter, especially when you are dealing with a large company where the right hand often doesn't know what the left hand is doing. They get away with breaking this law most of the time, since forcing compliance can be difficult.

If you are having financial hardship and are considering filling for bankruptcy, contact a Sacramento bankruptcy attorney by calling (916) 971-8880 for a FREE confidential Sacramento bankruptcy consultation.

Or you may click here to fill out our FREE Confidential Bankruptcy Case Consultation form and a Sacramento bankruptcy lawyer will contact you shortly.

"We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code."

Conlon & Fong
Sacramento Bankruptcy Office
6825 Fair Oaks, Blvd., Suite 101
Carmichael, CA 95608
TEL: (916) 971-8880
FAX: (916) 481-3975

Conlon & Fong
Stockton Bankruptcy Office
1151 West Robinhood, Suite C8
Stockton, CA 95207
TEL: (209) 475-0499

Sacramento Bankruptcy Attorney
Sacramento Bankruptcy Lawyer