Sacramento Bankruptcy Attorney
Bankruptcy Can Be a New Beginning
Whether due to job loss, illness, divorce, or wages that simply do not keep up with the increased cost of living, many individuals and families in California find themselves in financial distress. Hardworking people find themselves facing constant phone calls, lawsuits, judgments, wage and bank account garnishment, calls at work that threaten your job security, foreclosure, and eviction.
If you are feeling overwhelmed with unmanageable debt, it might be time to consider filing for bankruptcy. Hiring a good lawyer is crucial to your success. The Sacramento bankruptcy lawyer at the Law Office of Gilbert B. Vega can guide you through the process and manage your case from start to finish.
Call (916) 249-9417 or complete our online contact form for a free consultation. We handle cases across Sacramento County.
Types of Bankruptcy
The U.S. Bankruptcy Code outlines several different Chapters under which you can file for bankruptcy. The right type of bankruptcy for your situation will depend on several factors such as your income, the amount of debt you are in, and the value of your assets.
At the Law Office of Gilbert B. Vega, we can help you file:
- Chapter 7 bankruptcy
- Chapter 11 bankruptcy
- Chapter 13 bankruptcy
What is the Income Limit for Chapter 7 in California?
If your total monthly income over the next 60 months is less than $7,475 then you pass the means test and you may file a Chapter 7 bankruptcy. If it is over $12,475 then you fail the means test and don't have the option of filing Chapter 7.
Can I Keep my House if I File for Chapter 7 in California?
You can keep your house if you file for chapter 7 bankruptcy if the equity of the house is not more than the homestead exemption available for the state in which debtor is filing. California has 2 'systems' of bankruptcy exemptions.
Automatic Stays
Federal bankruptcy law provides for an "automatic stay," which requires debt collection companies to cease activity on your accounts immediately once a bankruptcy petition has been filed. Gilbert B. Vega and our highly experienced team can work tirelessly to protect your legal rights and stop debt collection companies from breaking the law. Creditors and debt collectors who fail to halt their efforts against you place themselves in danger of being the target of contentious, costly legal action that signals your unwillingness to forfeit the protections afforded by law.
The automatic stay is the bankruptcy equivalent to a temporary injunction against virtually all creditor activity that might advance the creditor's interest at the expense of the debtor. It also provides the debtor immediate calm amidst the storm of their financial difficulties.
We Make it Easy to Get a Fresh Start
When it comes to bankruptcy, each case is different and must be carefully evaluated by an experienced lawyer. At the Law Office of Gilbert B. Vega, our Sacramento bankruptcy lawyer can assess your situation and determine the right path forward.
When you reach out to our firm, all messages are promptly returned. We pride ourselves on our ability to offer flexible appointment times to meet the needs of all our clients.
Contact our Sacramento bankruptcy attorney now at (916) 249-9417 to get started.
Client Reviews Speak Volumes
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"Best choice that I personally made to change my life as well as my family's"
Great staff took care of business fast and efficiently, best choice that I personally made to change my life as well as my family's, thank you so much to each staff member that dealt with my case, and to whoever may be reading if you have a problem with bankruptcy call them they know what to do.
- Maceo -
"Regardless of the charges you are facing, he will treat you as a person and not what the paper says about you."
Hiring an attorney can be a stressful process. Mr.Vega was very helpful right from the very first phone call. He is very down to earth, and was able to explain things so that I understood. My husband was facing felony drug charges, and a possible 6 year sentence. He took the case seriously and made us feel like we mattered and that we had a voice. Regardless of the charges you are facing, he will treat you as a person and not what the paper says about you. He was able to get a very good deal that we didn't think was possible and in fact were told by other attorneys was out of the question. My husband was able to get all charges but one dismissed, 1 year of county jail , with half, credit for time served and probation and the ability to apply for early release via the work project program. That's amazing. He was willing to negotiate to come up with a payment plan to fit the needs of everyone involved. I'm 100% happy with his service and would highly recommend him to anyone.
- Paris -
"He has the experience and knowledge of the judicial process."
Atty. Vega provided professional service regarding my case. He has the experience and knowledge of the judicial process in the Stanislaus County judicial system. He was able to get an enhancements charge and a traffic citation dismissed. I would recommend him to anyone needing attorney representation in the Stanislaus County area.
- Patrick -
"I would highly recommend Mr. Vega to everyone who is in need of an attorney."
Although it was a bad situation, I had a positive experience working with Mr. Vega. I would highly recommend Mr. Vega to everyone who is in need of an attorney. I thank you so much, Mr. Vega!
- Bill -
"He even visited me on a Saturday in jail"
Highly recommended, very attentive to his clients also very familiar with DA office, myself as a client can say he even visited me on a Saturday in jail and resolved my case asap. Thank you Mr. Vega.
- Jesus -
"They helped stabilize my life again."
Mr. Gilberto Vega is a professional that is very compassionate and generous. I am very grateful to him because he helped my case. His assistants were a great help as well. They helped stabilize my life again. Thank you very much.
- Rosa -
"I highly recommend him."
Gilbert was a great help. Things were looking bad. The DA was trying to give me 3 years and a felony on my record. Thanks to Gilbert I was given a misdemeanor until I finish my diversion classes then its expunged from my record. I highly recommend him.
- Nikolas -
"Mr. Vega reassured me that he would do his best and was with me every step of the way"
Mr. Vega is an amazing attorney and I would recommend him to anyone!!! Let me just be frank my case was looking unbelievably scary! I had 150,000 bail was looking at federal charges and my entire life was in jeopardy...multiple felonies. Mr. Vega reassured me that he would do his best and was with me every step of the way answered every question, every phone call, every time!!! I ended up receiving a misdemeanor and sheriff work release 120 days, after facing 4 years state/ 10 years federal!! Now if my review doesn't convince you then idk what will but he was worth every single penny and I'll love him for life, he saved my life!
- Avant