Pasadena Bankruptcy Attorney

Filing for Bankruptcy in Pasadena will:

• Stop harassing phone calls,
• Stop wage garnishment,
• Stop repossession,
• Stop foreclosure,

And give you a chance to:

• Rebuild your credit,
• Buy a home,
• Save for your children's education and your retirement.
• Get A Fresh Start.
• And usually keep all your assets.

Please browse this site for information that you may require. However I encourage you to contact me. You have rights and you should know them by talking to an attorney, not a paralegal or a secretary. Ask to talk with me. I offer free on the phone or in person consultation. You will never be pressured to file bankruptcy with my office. In fact, after your initial consultation, I always recommend you go home and think about it and call me back if you want to move forward with bankruptcy.

We ONLY handle Bankruptcy cases and we can help Pasadena residents or businesses encountering solvency issues with solutions to wipe out, discount, modify, reduce interest and payments, or reorganize their debt under the relevant provisions of the bankruptcy code.

If you have been told by another attorney that you do not qualify for chapter 7, make sure you talk to me. It will cost you nothing. We have obtained chapter 7 discharge to many clients who were advised by other attorneys that they do not qualify for chapter 7. I only practice Bankruptcy so I know how to use every deduction and expense to keep you in a chapter 7 if that is to your advantage. You can file under chapter 7 bankruptcy, also known as a straight bankruptcy, if your annual household income is below the median family income and most or all of your assets are exempt. Even if your income is above the median income, you may still qualify under the second portion of the Means Test base on your detailed expenses on secured property such as your house and vehicles, back tax obligations and other expenses. You can learn more about chapter 7 here.

Call us and we will gladly schedule a free consultation to determine if we can file a chapter 7 for you. Chapter 7 will allow you to wipe out all dis-chargeable debt and as such its the preferred chapter to file under. Usually your bankruptcy is completed within 3 to 4 months.

Chapter 13 is also useful if you have a home facing foreclosure, and your goal is to keep the home and you have the ability to make current the payment through the chapter 13 payment plan. You can learn more about chapter 13 here.

The facts of each case are the basis upon which the decision to file bankruptcy is made and under which section you should file. We provide a detailed free consultation to analyze whether bankruptcy is right for you and under which chapter you are better protected. Call now and ask to talk with me the attorney.
Sincerely
Roland Kedikian, Esq.

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