Law Office of James L. Keenan
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Personal service since 1995
Chapter 13 bankruptcy,in Sacramento and elsewhere, is a form of filing where you propose to repay at least a portion of your debt. All of your debt, though, need not be repaid. Often only a small percentage of your debt is repaid through a Chapter 13
One of the greatest movies ever, It’s a Wonderful Life, drove it’s production company into bankruptcy after the film’s initial financial failure. Frank Capra, the creator of this cinematic classic, rebounded and found future fortune from the
Debt in your name is discharged through bankruptcy, even if you may not have charged or approved of the transactions. Often this arises in cases of stolen identity or separated spouses. No matter the cause, bankruptcy will eliminate your debt that came about
Bankruptcy is an option to deal with holiday debt. Often filing bankruptcy is the best alternative. Factors to consider whether bankruptcy is your best option include the amount of debt you owe, what your assets and property are worth and the amount
Yes. Credit card debt written off by the bank does not mean the debt is done. Credit card debt that is written off is a way the credit card company can remove the debt they are owed as an asset from their books. It doesn’t
Get a fresh financial start for the upcoming new year! Bankruptcy can be a valuable tool to eliminate your debt. Learn more by scheduling a free consultation. Here are some bankruptcy basics courtesy of the federal court system.
If your new year’s resolution for 2016 is to eliminate your debt, bankruptcy may be the answer. Credit card debt, lines of credit, medical bills, car repossessions, mortgages and income taxes are all forms of debt that can be eliminated
Did you know that bankruptcy may allow you to eliminate your second mortgage (also known as a home equity line of credit)? If your home is worth less than what you owe on your first mortgage, a Chapter 13 bankruptcy filing can “strip” the second mortgage
An “automatic stay” is legalese for the barrier between you and your creditors when you file for bankruptcy. It is the protective shield that prevents your creditors from collecting from you after you file for bankruptcy. Phone calls, letters, lawsuits, garnishments
Don’t worry! Bankruptcy covers all debt accumulated before a bankruptcy is filed. Though you must list all the creditors you know, debts or creditors you aren’t aware of when you file bankruptcy are still considered part of your bankruptcy and discharge as long
Did you know bankruptcy can improve your credit? It can. Credit scores certainly consider a bankruptcy filing but, even more so, your credit is evaluated by your existing debt. By eliminating your debt through bankruptcy, your credit score can actually improve!
WE ARE OPEN DURING COVID-19
My office remains open during the pandemic. Remote consultations and personal (socially-distanced) meetings are available. I am able to meet in person, over the phone, FaceTime, Zoom or any other remote application