CHAPTER 7 & 13 BANKRUPTCY

Debt Settlement - an industry based on False Promises. Read More...

We help people file for bankruptcy protection under the U.S. Bankruptcy code. Bankruptcy is a tool that can stop harassing phone calls, garnishments, foreclosures, lawsuits, liens and more. A Bankruptcy can assist in getting you out of debt and back on track. We provide the most comprehensive Bankruptcy services in Sacramento, San Joaquin, Solano, El Dorado, Placer, Yuba, Sutter, Yolo, Stanislaus, Tehama, Glenn, Humboldt and other surrounding counties.

You are not alone, thousands of people are seeking help from the Bankruptcy Court. Bankruptcy is a Constitutional right given to all residents in the United States. You deserve a fresh start. You deserve to wipe the slate clean. We can help. Let us stop the debt collector calls and put the credit card debt behind you.

Stop the MADNESS. Stop paying 28% interest payments.

Debt settlement/Credit Counseling is a flawed concept. It costs thousands more than bankruptcy and takes 4 times as long. It will not stop the harassing phone calls and you STILL will have to pay much of your debt . New York Times Article>

Compare with bankruptcy....it costs thousands less and takes approximately 90 days. Federal Law stops the harassing phone calls, protects you property and wipes out your debt for ever.

Bankruptcy Can Stop:

Tax Liens

Home Foreclosures

Creditor Harassment

Auto Repossession

Wage Garnishment

Medical Bills

Chapter 7 Bankruptcy

Chapter 7 is a process where individual can wipe out/discharge all of their debt. The purpose of letting you declare bankruptcy is to let you get a fresh economic start in life. In a Chapter 7 proceedings vast majority of individuals keep their property. Federal law allows exemptions for Chapter 7 individuals so that they can protect their home, car and wages, and still wipe our 100% of their unsecured debt. The process from start to finish usually takes approximately 3 months.

Chapter 13 Bankruptcy

Chapter 13 Bankruptcy: A Chapter 13 is also known as a "wage earner's plan" bankruptcy. The Chapter 13 is designed primarily for debtors who have a regular income and need help reorganizing debts. This chapter is also very helpful for debtors who have significant non-exempt assets. In a Chapter 13 bankruptcy, the debtor's assets are not liquidated to pay creditors. Rather, a Chapter 13 debtor proposes a three (3) to five (5) year plan to pay creditors. If a debtor has a mortgage payment or a car payment he or she is behind on, Chapter 13 allows the debtor to come current on the debt without losing the property. At the end of the three to five years, if the debtor has maintained the monthly payments, most remaining unsecured debt is discharged

Avoid Wage Garnishment

Take Advantage of New Laws

Eliminate a Second Mortgage

Keep Your House

Reduced Attorney Fees

If you are having financial hardship and are considering filling for bankruptcy, please call us toll free at 1-888-446-4333 to meet with an attorney for a FREE confidential bankruptcy consultation.

The only way to get a TRUE FRESH START is through Bankruptcy.

It's your Constitutional Right.

Payment Plans | Reduced Fees

For FREE Bankruptcy Consultation Call Toll Free:
(888) 446-4333

Allaye Chan Law
A Professional Corporation
1000 G Street, Suite 220
Sacramento, CA 95814

We are a debt relief agency

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Sacramento Office
1000 G Street, Suite 220
Sacramento, CA 95814
(916) 446-4400
Click here for Directions

Fairfield Office
1652 West Texas Street
Fairfield, California 94533
(707) 429-4242
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Stockton Office
5250 Claremont Avenue
Stockton, CA 95207
(209) 952-9500
Click here for Directions

Marysville/Yuba City Office
500 Olive Street
Marysville, CA 95901
(530) 673-1400
Click here for Directions

SACRAMENTO: (916) 446-4400
PLACER: (916) 783-9696
YOLO: (530) 666-6464
YUBA CITY: (530) 673-1400
EL DORADO: (916) 446-4400
STOCKTON: (209) 952-9500
SOLANO: (707) 429-4242
TRUCKEE: (530) 587-3400
LAS VEGAS: (702) 385-7100