Thomas B. Hjerpe, Esq.
Jocelyn M. Godniho, Esq.
Barbara Voss, Legal Secretary
Nicole Alcorn, Legal Secretary
350 E Street, Suite 403
Eureka, CA 95501
Telephone: 707 442-7262
We are a debt relief agency. We help people to file for bankruptcy relief under the Bankruptcy Code
This website is intended to provide general information about bankruptcy and alternatives to bankruptcy. Bankruptcy laws are applied differently in different jurisdictions. You should not apply this information to your particular situation without meeting with us so that we can be certain of how the law would be applied in your particular case.
If you have to stop paying your credit card debts, the credit card companies do not immediately garnish your wages or seize your property. Credit card companies call and write and demand payment and they damage your credit rating, but it often takes 9 months or more before they start filing lawsuits.
...eget sapien vitae massa
If you owe more than your house is worth and you can’t afford the payments your options are foreclosure, short-sale or loan modification. In different circumstances one of these options may give you a much better result.
Yes. Credit will be available - but at bad terms. Interest rates and credit limits will improve quickly. Your credit will recover more quickly if you take steps to correct errors on your credit reports.
The IRS and SFTB treat charged-off debts as “income” for assessing income tax liability. There is no debt relief tax Cancellation of Debt tax after bankruptcy.
If you can’t pay debts it’s not the end of the world. Bankruptcy can help you get back on your feet after a job loss or illness - but its not the only option. Mortgage loan modification, credit counseling and settlements are excellent alternatives.
Someone who is “judgment proof” has nothing that a judgment creditor is allowed to take. If you are judgment proof you may not need a bankruptcy.
We are your Eureka bankruptcy attorneys. We have been providing bankruptcy assistance and other debt relief services to individuals and small businesses in Northern California since 1996. Our bankruptcy law office is in Eureka. We regularly help people with bankruptcy issues in Fortuna, Arcata, McKinleyville and throughout Humboldt County. We help people in Crescent City through Del Norte County. We represent individuals with bankruptcy and alternatives to bankruptcy in Trinity County, Shasta County and any of the communities in the Redding area. We have many bankruptcy clients in Lake County, Mendocino County, Sonoma County and into the Bay Area. We offer free consultations either in-person or by telephone. This has allowed us to provide excellent bankruptcy representation for individuals who live in remote areas and would otherwise have to drive hours to meet with an attorney.
Student Loans are very hard to eliminate in bankruptcy. The Federal Student Loan Ombudsman has options if you cannot pay.
A Chapter 7 Bankruptcy is the most common type of bankruptcy. It is an excellent tool for dealing with credit card debts, medical debts and other unsecured debts.
A Chapter 13 Bankruptcy is a payment plan that allows you to pay what you can afford to pay over a 5-year term and eliminate remaining unpaid debts. It is an excellent tool to stop a foreclosure. A Chapter 13 Bankruptcy may allow you to remove and eliminate a 2nd mortgage.
Fees may range from $1500 or less to $5000 or more depending on whether it is a Chapter 7 or a Chapter 13 and the complications of the particular case. Payment plans are usually an option.
There are alternatives to bankruptcy such as credit counseling to repay debts or negotiating settlements. Beware of debt settlement agencies.
There are steps you can take to stop creditors who are harassing you. We maintain a separate website with self-help information at www.californiadebtdefense.com.
There are steps you can take to correct errors on your credit reports. We maintain a separate website with self-help information at www.californiacreditreporting.com