A Salinas Bankruptcy Attorney Who Takes Pride in Community
Facing overwhelming credit card debts and the imminent foreclosure of your home can be some of the most intensely stressful financial situations to endure. Finding the right bankruptcy attorney in Salinas who is sensitive and willing to work with the particular needs of your situation is essential to your financial recovery. Consulting the wrong Salinas bankruptcy attorney about such sensitive matters can be an intimidating and often expensive process, leaving people in despair over how they can effectively change their situation. Stephen H. Kim serves as a prominent Salinas bankruptcy attorney ready to help give you the fresh start you deserve. No matter what your current financial situation may be, if you are seeking a bankruptcy attorney in Salinas, we are willing to work with you.
Are you looking to stop harassing calls from creditors or to cease your wages from being garnished? Has a recent medical crisis overwhelmed you with impossible bills? Have you fallen behind with car loan payments or are drowning in credit card debt? We can help. Specializing in Chapter Seven bankruptcy and Chapter Thirteen bankruptcy laws in Monterey-Salinas, the law offices of Stephen H. Kim are here to offer you the more comprehensive legal advice in a relaxed, informal environment, without any obligation to pay unless you completely understand all of your options thoroughly and want to hire us. Here is a Salinas bankruptcy attorney who takes pride in educating prospective clients about the differences between Chapter Seven and Chapter Thirteen bankruptcy. When seeking out assistance from a Salinas bankruptcy attorney , many individuals fear that filing for bankruptcy will permanently destroy their credit score for up to ten years, inhibiting them from finding the means to rebuild upon a new life. But many of these anxieties stem from simple misconceptions, one being that it will take a decade or more to rebuild your credit. More often than not, choosing bankruptcy can work in your favor, and allow you to preserve a healthy credit score. The most important thing to consider from either of these choices is the potential release from any obligations to the demands of collection agencies. This automatic stay is a form of protection that begins the moment that bankruptcy is filed. Exemption statutes, though complicated, allow clients to retain all or most of their property when a Chapter Seven or Chapter Thirteen is filed. A discharge can also be attained, and this allows for certain debts to become uncollectable, making it illegal for these debts to be collected by creditors in the future. Here at the law office of Stephen H. Kim, we believe in relaxed, community-centered approach that this Salinas bankruptcy attorney takes in offering our clients a level of respect and personalized service that can be found nowhere else. If you’re looking for a Salinas bankruptcy attorney who is serious about working with your needs, contact us today. We’re here to serve you.