Debt-Relief-Bankruptcy.com info & attorneys for personal & small business bankruptcy
Bankruptcy
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Bankruptcy laws are put in place to provide protection to the "honest but unfortunate" debtor who would like to discharge his debts but is unable to, due to reasons beyond his control. Usually there are three life changing events that can lead a person to take up bankruptcy as a tool for relief: unemployment, serious illness, and divorce. If you suffer from any of these three, there is a high likelihood that you will file bankruptcy. Filing bankruptcy usually brings people automatic relief; the pressure from bill collectors comes to an immediate stop. In recent times, something like 1.5 to 2 million (2005) people filed for bankruptcy protection.
People usually seek bankruptcy relief because they are put under a lot of pressure by debt collectors. Despite some weak laws banning harsh tactics, collectors tend to use a combination of threats and personal abuse. Legal threats such as threats to garnish wages, seize bank accounts, cars and other assets along with personal degradation combine to pressurize the debtor can lead to emotional meltdown, shame and fear. Declaring Bankruptcy can immediately put an end to the degradation, shame and fear. It's an option that provides honest and unlucky people a relief.
Bankruptcy is not an issue that should be taken lightly. It is too complicated to jump into without getting expert help, and without a proper attorney you will likely get frustrated and make avoidable mistakes.
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To stop fraudulent claims of Bankruptcy, the legal processes for filing Bankruptcy in the U.S. are rigorous and complex. The person claiming Bankruptcy has to prove to the court that his debts were incurred under honest good faith circumstances and that he is truly unable to pay back the money. The recently passed bill in congress makes it even harder to walk away with a clean slate. It makes debtors whose incomes exceed a certain amount pay credit-card charges, medical bills and other debts under a court-ordered plan.
Los Angeles Bankruptcy Lawyers
Leon Bayer and Jeffrey Wishman are Bankruptcy Lawyers who are among the select few who have been Certified as Bankruptcy Specialists for personal and small business bankruptcy by the State Bar of California. Debt relief is their only business. They offer a free consultation in which they answer questions, discuss legal rights and give advice on which type of bankruptcy may be best for the client. The law is very generous to people who need bankruptcy relief and the Court is there to help you. At Bayer, Wishman & Leotta, they try to guide you through the process quickly, affordably and with minimum hardship. Clients receive quality legal representation at an affordable price.
There are six types of bankruptcy under the Bankruptcy Code, located in Title 11 of the United States Code:
- Chapter 7: basic liquidation for individuals and businesses;
- Chapter 9: municipal bankruptcy;
- Chapter 11: rehabilitation or reorganization, used primarily by business debtors, but sometimes by individuals with substantial debts and assets;
- Chapter 12: rehabilitation for family farmers and fishermen;
- Chapter 13: rehabilitation with a payment plan for individuals with a regular source of income;
- Chapter 15: ancillary and other international cases.
Bankruptcy is obviously used as a last resort; it is tough but it provides a legal solution to your financial problems.
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"You don’t get rich in law practice by representing people who are broke. If someone thinks that there is a way to make a ton of money handling bankruptcy cases, please tell me what that is. You can make a decent living at this, (as you should after 8 years of college and law school, and then 30 years of practicing law,) but you don’t get rich doing this. Lawyers who dream about making a lot of money should stay away from consumer bankruptcy and go into corporate law, accident cases, or other fields." |
Debt-Relief-Bankruptcy.com
Handling Bankruptcy cases is a specialized task which should only be handled by experienced, skilled, and creative lawyers. The Los Angeles Bankruptcy law firm of Bayer, Wishman and Leotta claims to have a lot of experience and skill when it comes to handling Bankruptcy cases. They have represented individuals and commercial clients for over 20 years. They are even called upon by the media, the California Bar and other associations to give opinions, provide insight and help educate new attorneys on bankruptcy and its changing laws. This is a testament to their success and respect in this field.
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What if I don’t file bankruptcy – what could happen?
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The Lawyers
- Leon Bayer
Leon Bayer has been in practice since 1979. He completed his education from California State University, Northridge (B.A., 1975), University of LaVerne College of Law (J.D., 1979). Leon is a founding partner in the law firm of Bayer, Wishman and Leotta (1989). He is certified by the state Bar of California and is a specialist in the field of small business Bankruptcy Law.
- Jeffery Wishman
Jeffery Wishman is another founding partner in law firm of Bayer, Wishman & Leotta (1989) and is a Certified Specialist in Consumer & Small Business Bankruptcy Law, by the State Bar of California Board of Legal Specialization. He has his Law degree from Florida State University (B.A. in Accounting, 1977), Southwestern University School of Law (J.D., 1980).
- Peter J. Leotta
Peter Leotta was a founding member of the law firm Bayer, Wishman and Leotta (1989). Peter passed away in 1999.
- Marcus G. Tiggs
Marcus G. Tiggs has been in practice since 1989. He is a highly respected bankruptcy attorney and bankruptcy litigator. Marcus joined Bayer, Wishman and Leotta in 2001 and was formerly the Managing Partner of Slate & Leoni, APC.
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Los Angeles Bankruptcy Services
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The law firm of Bayer, Wishman and Leotta have been successfully handling Bankruptcy cases for over 20 years. Armed with experience and creativity the law firm claims to provide its customers with exceptional service. When you come in for a free consultation, your situation will be discussed and you can expect to receive an explanation of how bankruptcy will affect your debts, property and assets. Bankruptcy will only be recommended as a last resort. The aim is to provide clients with the very best consult so that they can weigh their options. At the end of the consultation, if you decide that bankruptcy is the best option, you will be quoted a reasonable rate. However, there is no obligation - advice during the consultation is free.
- Chapter 7
Chapter 7 is also called “liquidation”, “debt wipe-out” or “fresh start”. If you are being crippled by high credit card debt or medical bills, Chapter 7 may be a way for you to discharge those debts. Chapter 7 cases are typically resolved 4 months after the filing date.
- Chapter 13
If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room. Chapter 13 is also known as "reorganization" or "consolidation." The majority of debtors who file Chapter 13 eventually end up keeping their assets.
Resources
Need information about Bankruptcy? Then log on to Debt-Relief-Bankruptcy.com. Here you'll find some pretty good resources available on the web. You can read about Bankruptcy options and get acquianted with new regulations on Bankrutpcy. You can also ask Leon, an expert Bankruptcy lawyer, any questions you may have about the ins and outs of Bankruptcy.
FAQs
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What does bankruptcy do to my credit? In the end, a bankruptcy can make your credit better. Even if all your payments have been made on time, you may owe so much money that a new credit application would be denied. |
Testimonials
Good Morning to you Leon,
Conrad V.
Yesterday, we had recv'd the document for the dismissal of this issue. We are very humble and truly "Thankful" for your services with this matter. As I'm sure you know, this was tremendously stressful to us in knowing that we didn't intentionally do anything wrong along with the stretching of our budget to rectify it. As with you, we were completely honest with everything we had submitted for the purchase of the GMC. Every question and situation was ran passed the sales rep. before even putting it into writing. We had placed our trust with the sales rep. for this is his business expertise and we believed that if they were not going to qualify us with were we stood, then it would just mean that we were not ready to purchase this vehicle and we would have been fine with it.
You have lifted this weight off our shoulders Leon and once again, we are just very "Thankful" for your time in resolving this matter. It has been a pleasure to meet you sir and if someone should need a BK specialist, I most definitely know of one.
If anything else is needed from me, please don't hesitate to let me know.
Sincerely, a very satisfied client.
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Contact
For Free consultation call: 1-800-477-3111.
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DOWNTOWN LOS ANGELES
Telephone: 213-975-1444
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Telephone: 310-559-6909
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Addresses
- DOWNTOWN LOS ANGELES
- 888 S. Figueroa St, Suite 1970
- Los Angeles, CA 90017
- WEST LOS ANGELES
- 3000 S. Robertson Blvd, Suite 215
- Los Angeles, CA 90034
- SAN FERNANDO VALLEY
- 16055 Ventura Blvd, Suite 811
- Encino, CA 91436
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