by Jennifer Hendrickson

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Santa Rosa Chapter 12 Bankruptcy Attorney

Chapter 12 is debt relief written into to the Bankruptcy Code for the purpose of assisting certain groups of people that derive (or have historically derived) the majority of their income from agricultural activities such as a family farm or a commercial fishing boat.  The U.S. Congress realized these groups of people have seasonal income.  This chapter of bankruptcy is little known and few attorneys have any experience in negotiating with creditors and getting a case confirmed in Chapter 12. Jennifer Hendrickson is an experienced Chapter 12 Bankruptcy Attorney.

The Law Offices of Jennifer Hendrickson has helped clients petition for relief under Chapter 12 and get their Plan confirmed.  The goal under Chapter 12 is to get your Plan approved by your creditors, the U.S. Trustee, and the Bankruptcy Court.   Bankruptcy Attorney Jennifer Hendrickson has successfully navigated that course, and has the negotiation experience, market knowledge, and contacts to get your Chapter 12 case filed, your debts reduced, and your Plan confirmed with as little uncertainty and stress possible.

Key Benefits

bulletStop a Foreclosure/Trustee Sale.
bulletReduce the debt owed on your second mortgage.
bulletObtain assistance from the Bankruptcy Court in reducing your mortgage debt.
bulletDid you know under Chapter 12, the Bankruptcy Court can actually change the terms of your mortgage?  Including percentage rate, balance and term of loan.
bulletUnder Chapter 12, the Bankruptcy Court can modify the terms of your mortgage.  It may be possible to:
bulletReduce the principal balance of your mortgage to market value.
bulletDramatically reduce your interest rate.
bulletExtend the maturity date of your mortgage, thereby reducing your monthly mortgage payment.
bulletKeep your income-producing equipment.  If you need your tractor, drilling equipment, harvester, or commercial fishing boat, you can restructure the debt on those items down to more favorable interest rates and "fair market value" loan balances.
bulletReduce or eliminate most of your debt.
bulletCreate a repayment plan you can afford, and discharge the rest.
bulletUnder Chapter 12, the Trustee can approve a plan that calls for a payment schedule you can meet, not the ones dictated by your creditors.
bulletStop harassing creditor telephone calls.

Contact Jennifer Hendrickson now for a Free Consultation

Bankruptcy may not be advisable to you, depending on your debt level, financial circumstances, current assets and current income and income potential.  A free bankruptcy consultation can advise you on whether bankruptcy is the right alternative for you and how to use the bankruptcy laws to your advantage.  Bankruptcy is designed to give you a fresh start, but you have to make all the correct decisions before you file your petition.  Calling Jennifer Hendrickson is a first step in the right direction. 

Qualifying for Chapter 12 Bankruptcy

In order to qualify for protection under Chapter 12, you need to be a "family farmer," or "commercial fisherman."  Activities that may qualify you for Chapter 12 Bankruptcy protection are:

bulletTimber Operations
bulletHorse and livestock boarding
bulletCommercial fisherman

This is not a complete list,  Take advantage of a free consultation to see if you qualify. You will need to be prepared to discuss your income and expenses and the sources of all income.  

Law Offices of Jennifer Hendrickson

(707) 540-6199
(707) 540-6434
829 Sonoma Ave., Suite 8, Santa Rosa, CA  95404
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829 Sonoma Ave., Suite 8
Santa Rosa, CA  95404

Copyright 2010-2016 Hendrickson Law Group, PC. The information contained on this website is provided for informational purposes only. Therefore, any information on this website should not be construed as legal advice. You should not act or rely upon this information without seeking formal professional counsel specific to your case. Any offer to provide free consultation is not intended to create an attorney-client relationship between Jennifer Hendrickson, Attorney at Law, and you. Also, any transmission of information from this website or communication via e-mail does not constitute or create an attorney-client relationship between us and any recipients. All liability is expressly disclaimed with respect to actions taken or not taken based on any or all the contents of this website. To the extent this is considered attorney advertising, as that term is defined in the Business & Professions code, a copy of this advertisement is available for review with the responsible attorney, Jennifer Hendrickson. We may be considered a Debt Relief Agency under Bankruptcy Code section 528.