Santa Rosa Bankruptcy Attorney (707)540-6199
Law Offices of Jennifer Hendrickson
703 2nd Street, Suite 308
Santa Rosa, California 95404
Debt and debt collection, such as wage garnishment and bank levies, can place tremendous financial and emotional distress on you and your family. As a Bankruptcy Lawyer in Sonoma County, my professional life is spent helping clients make the right decisions for themselves and their families. I offer a complete array of affordable Chapter 7, Chapter 12, and Chapter 13 Bankruptcy solutions, all done as discretely as possible. As a wife and mother, I understand the pressure that debt collection tactics, such as a bank levy, wage garnishment or a lawsuit, can have on your health and well-being. In most cases, those unsecured debts can be discharged and you can get a fresh start. Bankruptcy is your opportunity to take the financial pressure off your family.
I offer reasonable up-front pricing, fast turn-around and compassionate bankruptcy and debt-relief assistance to my clients. Many of my clients ask, "How can I avoid bankruptcy?" By taking a look at the debts you have, your income and assets, and what type of other relief may be available (including assessing your ability to settle back taxes), alternatives to bankruptcy may be available to you.
Close proximity to the Santa Rosa Bankruptcy Court and the U.S. Trustee's Examination Office in Santa Rosa help ensure efficient and effective service for clients throughout Northern California. If you are seeking assistance with bankruptcy and you live in Sonoma County, Marin County, Napa County, Lake County, Mendocino County, Humboldt County or Del Norte County, call the Santa Rosa Bankruptcy Law Offices of Jennifer Hendrickson today. Get full representation and personal attention from me, your Bankruptcy Attorney.
A common misconception is that a Bankruptcy is merely filling out forms and filing them with the Bankruptcy Court in Santa Rosa. Bankruptcy is a financial planning tool, and the process begins before you file your petition. When I file your petition, I have two goals - (1) protect your assets, and (2) eliminate your debt. If you file your petition too soon after acquiring an asset or losing your job, then you may be forfeiting assets. If you wait too long, then you might not be able to eliminate as much debt. In my role as your bankruptcy counselor, I take those factors into consideration and then balance them alongside what the bankruptcy code can do for you - and then weigh the benefits of the different chapters available to you. Then we fill out and file the bankruptcy petition. If your bankruptcy petition is dismissed by the Bankruptcy Court, your creditors may be able to seize your assets, foreclose on your house, and begin legal proceedings against you. Get the advice you need from a reputable attorney. There is no charge for the initial consultation.
Do you have a wage garnishment?
You can immediately stop further wage garnishments when you file bankruptcy and may even be able to recoup some of what has been taken from your check. Call to find out what you might be able to do to put a stop to a current or threatened wage garnishment. If you have a wage garnishment, bank levy, or are facing immediate foreclosure on your home, ask about a same day bankruptcy appointment. Same day bankruptcy filing is available.
Law Offices of Jennifer Hendrickson
A consumer protection advocate in the North Bay, Jennifer Hendrickson serves clients seeking advice, assistance and representation with their consumer debt bankruptcy. Located just one block from the Santa Rosa office of the United States Bankruptcy Court for the Northern District, she is the fast, efficient and affordable choice for consumer bankruptcy.
The Law Offices of Jennifer Hendrickson represents consumers. We are a Debt Relief Agency under section 528 of the Bankruptcy Code. Our Bankruptcy Attorneys and Legal Staff work quickly and diligently for you. Whether you live in Petaluma, Windsor, Ukiah, Eureka, Santa Rosa, Rohnert Park, San Rafael, Napa, or just about anywhere north of the Golden Gate Bridge, we are the convenient choice.
No Charge and No Obligation Initial Bankruptcy Consultation
Many consumers are already over their heads financially. Get some advice on getting out of debt and getting a fresh start during a no charge initial consultation. Your decisions in filing your Chapter 7 Bankruptcy or your Chapter 13 Bankruptcy can affect you for years. You need a bankruptcy discharge - not a dismissal. Contact your Santa Rosa Bankruptcy Attorney, Jennifer Hendrickson, today.
What is the difference between Chapter 7 and Chapter 13?
This is a common question, and there are a lot of Bankruptcy attorneys that focus on Chapter 7 because they are less complicated and can get the petitioner a discharge of debt quickly. A Chapter 13 bankruptcy is more complex, however you can discharge or restructure your debt in such a way that it may be more advantageous to you to file a Chapter 13. Under Chapter 13, you can potentially discharge your unsecured second mortgage on your home, including home equity lines of credit, and subsequently strip off the lien - leaving your property unencumbered by that unsecured junior mortgage lien when your Chapter 13 bankruptcy is finally discharged. Also, if you are hoping to modify your home loan, you need to talk to an attorney that can help you either restructure the debt you have or analyze your assets in order to help you qualify for a home loan modification.
Chapter 12 of the United States Bankruptcy Code is designed to meet the unique and particular needs of family farmers and commercial fishermen. If you derive income from your land, including: horse and cattle ranching, dairy, poultry, egg production, timber, cheese, livestock, farming, produce, vineyards, or boarding operations, then you may qualify for a Chapter 12 Bankruptcy. Take advantage of a free consultation to get a professional opinion regarding your options under Chapter 12.
Contact A Sonoma County Bankruptcy Attorney Now
Law Offices of Jennifer Hendrickson
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703 Second St., Suite 308
Santa Rosa, CA 95404
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