Here in Monterey County, most of us have heard tales of sudden freezes or prolonged droughts that ruined crops. Many of us have had personal experience with these things. Just like no one can control the weather, no one can control things like the onset of a chronic illness, job loss, or divorce. When these unexpected things strike a family, they often bring financial ruin. Bankruptcy offers a way to eliminate debt and retain important assets. Not many other federal debt relief programs offer both these things.
The bankruptcy attorneys near Gonzales, CA at Miranda, Magden & Miranda understand that your financial problems probably are not your fault. With that fact in mind, we work hard to find solutions for your family. These solutions include not only debt relief, but also long term credit rebuilding to help you put bankruptcy behind you. Throughout this entire process, we proactively communicate with you, so you are never in the dark.
In board games like Monopoly, bankrupt players lose all their assets, and they also lose the game. Fortunately, real life is a lot different. For one thing, people who file bankruptcy do not “lose” the game. In fact, since they go back to the starting line, they have a chance to win.
Furthermore, most people do not lose any of their assets when they file bankruptcy, especially in California. The Golden State has one of the most intricate bankruptcy exemption systems in the country. It is designed to protect financially distressed families, but only an experienced bankruptcy attorney near Gonzales, CA should try to navigate it.
There are basically two exemption tracks. In general, most homeowners use System 1 exemptions. These exemptions apply to:
If you do not own a home, System 2 is probably better. The home equity exemption is much lower, but a wildcard exemption of up to $30,825 is available. Debtors may use the wildcard to protect otherwise nonexempt property, like a second car or a boat. There are some other differences, as well, so a bankruptcy attorney near Gonzales, CA will carefully review all the pros and cons.
Unsecured debts, like credit cards and medical bills, are usually dischargeable in both Chapter 7 and Chapter 13. These kinds of debts weigh down many area families. Outside of bankruptcy, the creditor holds all the cards. But when you file bankruptcy, the initiative belongs to you.
Other types of unsecured debts, such as back taxes, are dischargeable in certain circumstances.
Bankruptcy protects assets and eliminates debt. For a confidential consultation with an experienced bankruptcy lawyer near Gonzales, CA, contact Miranda, Magden & Miranda LLP. We routinely handle matters in Monterey County and nearby jurisdictions.
Patricia has been so helpful and provided excellent service. My husband and I are so grateful for all the help she has provided to help me immigrate to the United States. We really could not have gotten through it without her help. A big thank you to Patricia\'s assistant, Ingrid as well for always being prompt with responses and helping us get all the paperwork ready at each stage. I highly recommend Patricia for anyone who needs immigration help.
Thank you Miranda and team for the excellent service provided. Miranda is a compassionate, understating, extremely knowledgeable and professional attorney. Her team was always on top of everything making my legal process less stressful. I could never thank Miranda and her assistant Ingrid for holding my hand throughout this difficult process (literally). Miranda is one of the BEST immigration lawyers ever! I would definitely recommend her.
They represented my custody case and handled it like it is their own case and they are best in Monterey County.
The entire team at MMM are superstars! I appreciate all the time and prep that went into my original case many years ago. And now recently, I asked for some help on a follow-up custody matter that I felt I could handle myself but just needed their expertise to properly represent all the important details. They are knowledgeable, extremely thorough, and prepared me for every possible scenario. I can't thank them enough!
My partner and I sought legal advice on bringing my fiance' to the United States with this office after having called a few immigration attorney offices around Monterey County. Having never sought legal advice before it was a refreshing experience in which we both really felt that Patricia listened intently to our goals and needs, and then not only gave us thorough advice, but also she really showed a lot of empathy with our situation and all the challenges we faced in what we trying to do. I would definitely recommend this office for anyone who is unclear about what..
Working with Patricia was a professional encounter unlike any other, an absolute 5-star experience. From the first moment, we walked into our consultation until the moment our case was closed and my husband walked away with his permanent resident card Patricia was communicative, professional, and thorough. Her team contacted us every step of the way providing valuable process and law changes we would not have been able to catch if we tried to navigate this endeavor alone. Patricia answered our endless question stream with thoughtfulness and care, calling us countless times to ensure we were clear on every piece of..
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