Professional Bankruptcy Representation
When you need professional bankruptcy assistance, look no further than Claude D. Ames, Esq. Our law office provides Chapter 7, Chapter 11, and Chapter 13 bankruptcy services. We also provide arbitration and mediation services for disputes such as real estate, business, and more. Our firm has over 45 years of experience providing bankruptcy services for individuals and businesses in Oakland, California, and surrounding areas. There’s no secret to our success. Clients choose us because we get the job done right. If you’re considering filing bankruptcy, call us immediately. We can alleviate harassment from debt collectors and prevent potential lawsuits. Call us now to schedule a free consultation.
What Is Bankruptcy?
Bankruptcy is governed by federal laws and rules geared to help individuals and businesses who find that they owe more debt and have less assets to pay off their debt to creditors. Bankruptcy allows those who qualify a "fresh start" by providing protection from creditors legal actions, wage garnishments, foreclosures, repossessions and debt collection, once individuals and business debtors have filed a bankruptcy petition in the United States Bankruptcy Court, under Chapter 7, Chapter 13 or Chapter 11. Federal courts and not State Courts, have exclusive jurisdiction over all bankruptcy matters, including the discharge of certain debts.
Chapter 7
- Helps those who don’t have the financial ability to make payments under a reorganization plan
- No more harassment from debt collectors
- Discharges outstanding debt
- Stops foreclosure proceedings
- Ability to negotiate bills with your creditors
- Give you tools to better manage your debt in the future
Chapter 11
- To reorganize a business
- To Stop Garnishment and Avoid Liens
- To Stop Lawsuits, and further actions against the debtor, unless the creditor can obtain relief from the automatic stay in bankruptcy court.
Chapter 13
- Chapter 13 bankruptcy petition must be filed in good faith
- Petitioner must be able to make required monthly payments under the reorganization plan
- Show that all required disposable income is being applied to repaying the debt
- Provide payments through voluntary deductions from wages
- Make full payment of priority claims
- Offer to make payments that provide creditors a greater amount than under a Chapter 7
- Pay secured creditors the fair market value of their collateral or negotiate acceptance of the plan
- Make mortgage and overdue payments owed to the lender
Call For Bankruptcy Assistance At (510) 282-3197