Experienced Bakersfield Bankruptcy Attorney Serving You!

Call (661) 235-6333 To Learn About Fast, Affordable Debt Relief.

 

You do not need to allow debt to destroy your financial life. Trust a local attorney to assist in becoming debt free to best get you on track for a financially free life both today and tomorrow! So many good families and individuals call a law office only after they have spent months struggling or even a period of years trying to get on track. In many cases, these people could have resolved financial issues months or years earlier in as short a period of time as just weeks or months to get their lives back on track!

Bankruptcy Helps Now:

  1. Stop Collection Phone Call Harassment.
  2. Stop Collection Letters.
  3. Prevent or Fix Bank Garnishments!
  4. Stop or Prevent Lawsuits!
  5. Get Rid of Wage Garnishments.
  6. Stop Evictions, Stop Foreclosures, & Repossessions.
  7. Stop Home Foreclosure!
  8. Preserver Your Business.
  9. Erase Some IRS Debt that is Dischargeable!
  10. Get Your Sanity Back!
  11. Sleep At Night Peacefully Without Overwhelming Debt!

Through bankruptcy, you can discharge unsecured debt, such as medical debt, credit cards, and other loans or lines of personal credit in the form of payday and personal loans, and much more.

Questions About Bankruptcy? Call For Free Consultation Today!

 

The attorney will make things as simple and helpful for you in getting your financial life back on track. You can get started and learn options for your individual situation through a bankruptcy consultation and how filing bankruptcy could solve your financial problems. Call for a complimentary, no-obligation case review. You will quickly discover that the attorney is concerned and cares about your financial security. For this reason, you will be able to discover the best option for your best possible financial outcome.

  • Free Case Review Today!

The attorney is available to help you receive immediate relief in whatever way possible and in the most affordable, and best way possible to solve your financial difficulties.

Personalized Attention For Your Situation

 

Your attorney will help you receive personal attention which has been uniquely tailored for your unique financial situation. What that means for you is that you will be able to have the necessary time for the attorney to learn and consider your financial issues and which legal solutions offer you the best protection for your assets while minimizing your liabilities. You don’t need to be surprised for this reason to hear the simple question: “What problems have got you considering the option of bankruptcy?” Another common way to discover the root issues might be: “What problems are plaguing you financially?” Your answer for these questions brings out basic financial struggles to help the attorney understand what is hurting you and how your financial concerns can be answered and solved moving forward. The attorney will seek to discuss questions regarding your finances such as your debts, your assets, as well as ongoing financial payments and obligations like your income and mortgage payment, auto payment, etc. As the attorney  better understands your issues and what is important for you financially, you will receive better customized legal advice to make the best financial decisions to have a bright financial future.

Is Bankruptcy Moral?

The decision to file for bankruptcy is never an easy one for anybody. It is usually reached after many months or even years of struggling to make the minimum possible payments to your creditors. After some time, you may be forced to confront the truth; that you simply cannot get out of the debt on your own. There are a lot of factors that could have led to the debt in the first place. For some, it may have been as a result of their financial mismanagement and recklessness, while others may just have been beset with a very unfortunate and destabilizing occurrence like job loss or a medical emergency.

In such situations, many people turn to the bankruptcy laws for protection. Those laws are contained in the federal bankruptcy code and the laws of the states. They were designed to cover people who are in so much debt that asking them to continue making ineffectual minimum payments while the interest keeps growing would amount to condemning them to a lifetime of suffering.

The question is often raised regarding whether bankruptcy is moral or immoral. There are a lot of people holding the different opinions, with different arguments to back their position up. Regardless of this, it would be much more accurate to say that bankruptcy is amoral. It is nether inherently bad nor inherently good. It can take on either form, depending on how it is put to use.

A variety of situations completely out of a person’s control could lead to them not being able to meet up with their financial obligations. When they have tried for a long time to do so and are unable to, again; through no fault of theirs, it is definitely moral for them to be relieved of the burden and allowed to start afresh.

If there was no legal framework for the protection of people who are in such dire financial situations, they would be driven to debt agencies who would arm-twist them and put them into even more financial trouble than they were initially. The fact that there is a system makes it possible to address the cases on their individual merits, and make the decisions that will be beneficial to the debtors as well as to society as a whole.

On the other hand, opponents of the bankruptcy system argue that a debt is an agreement that ought to be paid, regardless of any circumstances. They argue that the only time bankruptcy would be moral is if after liquidation, a person’s creditors are all paid in full. However, this is a very unlikely scenario, since if a person had the means to pay all his creditors, he would have done so and not had to resort to filing for bankruptcy.

Another argument of theirs is that since bankruptcies are often caused by the debtors profligacy and financial mismanagement, his creditors should not be made to pay for his excesses, and he should be bound to pay the debt, come what may.

In all, the question of whether a bankruptcy is moral or not is redundant, and if you find yourself in a position where you are seriously considering bankruptcy, then your best bet would simply to contact and hire Bakersfield bankruptcy lawyers who will provide you with counsel and advice on whether bankruptcy would be a good idea in your particular situation. If it is, and you eventually file for bankruptcy, they will also be there to guide you through the process from start to finish, and also represent you where it is necessary to do so. Professional help and advice is often the distinguishing factor between getting good results from your bankruptcy application and denial of discharge, dismissal or unfavorable terms.

It can be a very big temptation, when deciding on the lawyer to approach with your case, to allow the entire decision boil down to the costs, but that would be a case of being penny-wise and pound-foolish. You should consider such factors as whether or not they have in-depth knowledge of the bankruptcy process, as well as the laws guiding it at the federal and state levels. You also need to know if they have sufficient experience representing clients who were in similar situations as you are in, and if they were able to get them good results at the conclusion of the bankruptcy process.

Bright Bankruptcy Firm
1430 Truxtun Ave 5th Floor
Bakersfield, CA 93309
(661) 235-6333