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3 Questions to Ask Before Filing for Bankruptcy

May 2, 2018 By FinLaw

3 Questions to Ask Before Filing for Bankruptcy

Being in the position where you have to file for bankruptcy can be very stressful. Not only is it an ordeal in and of itself, but you have to consider the consequences as well. It will wipe the slate clean in a sense, but at the same time, it is important to consider the ramifications that it will have in terms of your credit and your ability to make the financial decisions that you will want to make in the future. As such, there are certain questions that you should ask your Oakland bankruptcy attorney before actually going through with filing for bankruptcy.

The first question you should ask is: Should I be filing for bankruptcy? You should be well aware of the impact that this decision will have if you do it, including the impact that it will have on your credit. You should also ask this question: What type of bankruptcy would be the best for me to file? Generally, in this situation, the choices will be chapter 7 bankruptcy and chapter 13 bankruptcy. Chapter 7 bankruptcy will wipe out most of the debts that you have, while chapter 13 bankruptcy will require you to pay at least some of the debts. However, this does not automatically mean chapter 7 bankruptcy is a better option in every case. The one that will be best for you will depend on your specific situation. A third question you should ask is: How much will it cost for me to file bankruptcy? You should ask your attorney how much it will cost to make your case, including not only the filing itself but also attorney fees, court fees, etc. You should make sure you know what to expect when it comes to fees in your situation.

If you are in need of a CA bankruptcy litigation attorney due to a situation relating to bankruptcy in your own life, you should consider contacting The Law Offices of Steven C. Finley. If you are looking for an Oakland bankruptcy attorney, the ones at our office will be able to answer any questions that you may have and potentially help you navigate through the specifics of your situation.

Filed Under: Uncategorized

April 23, 2018 By FinLaw

joint ventureYou have plans for a large project, but you lack certain resources to complete or even start it. Some businesses solve this kind of problem with a joint venture. A joint venture is when two or more businesses or parties combine their resources for the sole purpose of completing a project or some other kind of task. The businesses remain separate entities, but oftentimes their task may be an entity of its own.

A joint venture should result in the businesses gaining more than what they would originally gain if they were by themselves. This is the number one factor in determining whether or not you should have a joint venture. As for choosing the right people to work with, you must take resources, communication, time, strategic thinking, and trust into consideration. Though trust is essential, you still need to have your own San Francisco Bay area business attorney. An attorney can help establish a plan and defend you in court if need be.

Joint ventures can have a major impact on the future and welfare of your business. This is why it’s important to contact an attorney for advice and help on setting up and managing a joint venture. Certain law firms, like the Law Office of Steven C. Finley, provide attorneys that specialize in providing businesses with the information they need about starting a joint venture. If this is your first time considering this business tactic, then you should contact an experienced attorney who can set you on the right track.

Since multiple parties are involved in a joint venture, it is essential that you obtain an attorney. Attorneys can help you create and review documents made by you and the other businesses. You can check with them and make sure that you don’t break any deals made. A San Francisco Bay area business attorney would be especially knowledgeable about the laws in different countries. This is for joint ventures made with businesses that operate outside of this country. Finally, certain joint ventures may come to an unplanned end. This could result in legal disagreements that will take you to court. In case that happens, you have your business attorney to defend you.

Filed Under: News Blog, Uncategorized

April 16, 2018 By FinLaw

3 Steps to Avoiding Foreclosure

foreslosureLosing your home because of a bankruptcy-related foreclosure is one of the worst things that can happen to you, but it does not have to be that way. One way you can avoid it is to hire a bankruptcy attorney to help you go through the process. A San Francisco Bay area foreclosure attorney who can help you go through all the steps to help you keep your house is the law office of Steven C. Finley.

Step 1: Obtain a Modification on Your Home Loan

Dual tracking, the process of foreclosing a loan while the application to modify your loan is still in process, was made illegal in 2014. This makes it easier for a loan modification to reduce the interest rate and to make sure your monthly mortgage payments do not exceed a third of your income.

Step 2: Know Your Rights and Go To Court to Assert Them

You can put a stop to a nonjudicial foreclosure by taking your lender to court. As a California homeowner, you have a bill of rights, and if you can prove any violations of those rights, then you may have a case. A San Francisco Bay Area real estate attorney can guide you through the process and to prove whether the lender can be held liable for its actions.

Step 3: Apply For Chapter 13 Bankruptcy Instead of Chapter 7

If all else fails and you still cannot pay your debts without filing for bankruptcy, do it under Chapter 13. This process restructures your debts over three to five years. This gives you time to make enough payments to keep your house, as it also covers unpaid mortgage payments.

Conclusion

Do not allow bankruptcy and foreclosure to cost you your house when you have put so much time, money, and effort into keeping it. Follow these three simple steps from San Fransisco Bay bankruptcy attorney Steven C. Finley, and you can avoid making any more costly mistakes that might end up putting you and your loved ones out on the street.

Filed Under: News Blog, Uncategorized

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