Law Office of James L. Keenan

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Personal service since 1995

James Keenan Law

Contact me for a free consultation!

PH 916.448.6923

TXT 916.715.6145

EMAIL James now!

Contact me for a free consultation!

PH (916) 448-6923

TXT (916) 715-6145

EMAIL James now!

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Sacramento Bankruptcy & Debt Relief Attorney

Get news, tips and information about bankruptcy filing and debt relief/elimination in Sacramento

Sacramento Bankruptcy: Coping with Debt

Sacramento Bankruptcy: Coping with Debt

Debt can be dealt with in many ways. Bankruptcy is an option, but is likely not a first alternative. Read the Federal Trade Commissions thoughts on coping with debt. Though initial options to resolve your debt, such as consolidation and refinancing, may

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Sacramento Bankruptcy: Being sued? Bankruptcy will stop that lawsuit

Sacramento Bankruptcy: Being sued? Bankruptcy will stop that lawsuit

Bankruptcy prevents creditors from coming after you. That includes stopping lawsuits, letters, levies, liens, garnishments, phone calls, or anything creditors attempt to pursue a debt owed. As soon as a bankruptcy is filed

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Sacramento Bankruptcy: how to start the bankruptcy process

Sacramento Bankruptcy: how to start the bankruptcy process

Filing bankruptcy in Sacramento, or anywhere, is a process. Preparation, strategy and timing are often key elements in processing a bankruptcy filing. How, then, to begin?

For starters, find whether bankruptcy is your best option. Often when

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Sacramento Bankruptcy: The Benefits of Bankruptcy

Sacramento Bankruptcy: The Benefits of Bankruptcy

Filing bankruptcy can be a daunting decision. But often times it is worth it. Assessing whether a bankruptcy is worthwhile is essentially a cost-benefit evaluation. Is the cost of filing bankruptcy worth the benefit of eliminating your debt? Most

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Medical Bills?

Medical Bills?

Medical bills are some of the some of the most common debts prompting consumer bankruptcies. Though the amount of such debts are often overwhelming, they are dischargeable through bankruptcy proceedings!

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Retirement Accounts & Pensions Protected?

Retirement Accounts & Pensions Protected?

Almost always are retirement accounts and pensions protected in a bankruptcy filing. This means that retirement accounts and pensions can be kept even though the debt can be eliminated through the bankruptcy.

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How Will Bankruptcy Affect Your Credit?

How Will Bankruptcy Affect Your Credit?

Every case is different. But by the time potential clients consider filing bankruptcy, their credit is already shot. By eliminating your debt through a bankruptcy, your debt-to-income ratio improves dramatically and instantly and, thus, improving your

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Payment Plans Welcome

Payment Plans Welcome

No matter the cost of a client’s bankruptcy, payment plans are welcome. There is no interest, late fees or minimum amounts due. Pay what you can, when you can, no matter the time it takes. Bankruptcy attorneys cannot be owed money by clients when filing their cases so, whatever

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Title (Pink Slip) Loans and Bankruptcy

Title (Pink Slip) Loans and Bankruptcy

A title, or pink slip, loan is a loan taken on your vehicle after it is already paid for (or close to it). Typically these loans are secured, meaning they have to be repaid even if you file for bankruptcy. But since such loans are taken out after you bought

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Experience Matters

Experience Matters

10 years ago the bankruptcy laws changed and, when they did, they imposed limits–and penalties–on refiling bankruptcy cases. It is vital your bankruptcy filing is prepared, filed and prosecuted properly. Make a mistake and you may not be able to file again with full bankruptcy

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Can I File Bankruptcy Again?

Can I File Bankruptcy Again?

This is a common question clients ask. The answer is yes. Though you can file another bankruptcy any time after your prior bankruptcy case is closed, your bankruptcy protection ability to eliminate your debt may be limited. An 8 year span between filings offers the most

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Can I Refile a Bankruptcy If My Case Is Dismissed?

Can I Refile a Bankruptcy If My Case Is Dismissed?

Yes. But be careful. Refiling a bankruptcy case is tricky whether a prior case was dismissed or completed successfully. The number of prior filed case, when they were filed and what type of bankruptcy is being filed are all factors affecting your

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Sacramento Bankruptcy Statistics

Sacramento Bankruptcy Statistics

In 2014 there were more than 20,000 bankruptcy filings in Sacramento. You’re not alone!

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Bankruptcy Effect on Foreclosure or Trustee Sale

Bankruptcy Effect on Foreclosure or Trustee Sale

Bankruptcy stops all creditors in their tracks immediately upon the filing of a bankruptcy. This includes mortgage and trustee sale companies. If your home, or any property you own, is in foreclosure, bankruptcy can stop the sale!

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Do you have to go to court if you file for bankruptcy?

Do you have to go to court if you file for bankruptcy?

Yes. But the vast majority of cases you should only have to appear at an informal hearing in front of a bankruptcy trustee–and I’ll be there with you. Though the hearing is located at the courthouse, you likely won’t have to appear before a

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Will bankruptcy stop or prevent a lawsuit?

Will bankruptcy stop or prevent a lawsuit?

Yes. Filing bankruptcy prevents creditors from suing you and, if you have already been sued, causes any cases against you to be dismissed.

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Line of credit: can bankruptcy eliminate (discharge) this type of debt?

Line of credit: can bankruptcy eliminate (discharge) this type of debt?

Lines of credit can be eliminated, or discharged, through a bankruptcy filing. Lines of credit are often unsecured and can be eliminated entirely through a bankruptcy. Unsecured lines of credit are like credit card debt–minus

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Bankruptcy planning

Bankruptcy planning

Before filing bankruptcy, it is best to plan for your filing. Ensuring your eligibility, protecting your property and making sure your debts will be discharged are all considerations in evaluating the type and timing of your bankruptcy.

For best results: consult a bankruptcy

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Can I file bankruptcy without my spouse?

Can I file bankruptcy without my spouse?

Yes, you can file bankruptcy without your spouse if married. Often one spouse does not want to file for a variety of potential reasons. Though most married couples file bankruptcy here in Sacramento together, they don’t have to.

If one spouse doesn’t file

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Credit report necessary to file bankruptcy?

Credit report necessary to file bankruptcy?

No, you don’t have to pull a credit report before filing bankruptcy. You are required to disclose all your debts, but a credit report is not required to do that. Typically debtors know who they owe and don’t need a credit report to remind them.

Often times

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Law Offices of James L. Keenan

2600 H St. Sacramento, CA 95816

Phone: 916-448-6923

Fax: 916-442-6524

Email: jameslkeenan@aol.com

Office Hours: Monday – Friday 8 a.m. – 5:30 p.m.

Evening Appointments Available

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Disclaimer: The legal information presented at this site should not be construed to be formal legal advice, nor the formation of a lawyer or attorney client relationship. Any results set forth herein are based upon the facts of that particular case and do not represent a promise or guarantee. Please contact James Keenan personally for a consultation on your particular matter. This web site is not intended to solicit clients for matters outside of the state of California.