Bankruptcy

BANKRUPTCY

We are a debt relief agency
Conveniently located in Modesto, the Law Office of Robert L. Buchler assists consumers throughout the California Central Valley and San Joaquin Valley to determine if bankruptcy is appropriate for them, and if so, assists them through the bankruptcy process.

There are several types of consumer bankruptcy that may allow a person or business to discharge debts and start over. The type of bankruptcy that you should use depends on the kind of debts you owe, the amounts owed and your future financial plans.

Experienced Modesto Consumer Bankruptcy Lawyer
If you are considering bankruptcy, you need to be guided through the process by an experienced bankruptcy lawyer who has the wisdom to choose the right type of bankruptcy for you, and not simply the technical knowledge to help you file. The Law Office of Robert L. Buchlr can perform any type of bankruptcy for you. The two types of consumer bankruptcy that we particularly focus on are Chapter 7 Bankruptcy and Chapter 13 Bankruptcy.

Non-Dischargeable Debts
Certain debts such as support obligations, tax debts, student loans and other specified debts are not discharged in any type of bankruptcy.

Under specific and rare circumstances, some Income tax debts can be discharged.

Changes in Bankruptcy Law
The government passed the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 that have made the most significant changes to bankruptcy since 1978. In essence, the changes make bankruptcy laws more creditor-friendly. The new laws are in effect now.

Credit counseling is now required prior to filing a Petition for Bankruptcy and debtor education is required before the debtor will be discharged. If a debtor has filed a previous bankruptcy petition, there are new waiting periods prior to filing another petition. Debtors must also submit to means testing to either determine their eligibility to file a Chapter 7 Bankruptcy or to calculate their disposable income for a Chapter 13 Bankruptcy. Additional information can be found at the U.S. Bankruptcy Court Eastern District of California website.

CHAPTER 7 BANKRUPTCY (liquidation)

Modesto, California Chapter 7 Bankruptcy Lawyer
Are you experiencing overwhelming debt? If so, you are likely experiencing stress from not knowing how you will make ends meet and stress from harassing phone calls from creditors. At the Law Office of Robert L. Buchler, we can provide you with compassionate and honest legal help. We provide help in Chapter 7 Bankruptcy proceedings that allows people to obtain relief from personal debt.

Get Knowledgeable Chapter 7 Bankruptcy Help
Attorney Robert Buchler has over 29 years experience helping people get debt relief through Chapter 7 Bankruptcy and Chapter 13 proceedings. He can answer your questions, calm your fears about the process and give you an honest assessment of your specific financial situation.

Chapter 7 Bankruptcy is liquidation bankruptcy. Debt is completely eliminated and people are given a clean slate. It involves liquidating all of your non-exempt property and using the proceeds to pay creditors as much of the debts they are owed as possible. Additionally, we are often able to ensure most clients can keep their homes, cars and other property. Consumers must become eligible to file Chapter 7 Bankruptcy by qualifying under the means test. The test considers the median income of the state relative to the consumer's income. For those who do not qualify, Chapter 13 Bankruptcy becomes the next option.

If you are interested in eliminating your credit card debt and other unpaid debt, contact our firm or email us to schedule a free consultation.

CHAPTER 13 BANKRUPTCY (repayment of all or part of debt)

Modesto, California Chapter 13 Bankruptcy Lawyer
Living in debt is not a fun way to live. When the debt becomes overwhelming-and the mortgage payments, car payments and other bills are late-it may be time to look at your options. Chapter 13 Bankruptcy is debt reorganization. It is often called "wage earner" bankruptcy. This type of bankruptcy is particularly useful for preventing mortgage foreclosures and protecting your assets. Consumers are put on a payment plan to pay off some or all of their debt within a three to five year time frame. Chapter 13 bankruptcy essentially gives you a reprieve from all debt collection efforts during the time period outlined in the plan, and can often eliminate or reduce interest rates.

The Law Office of Robert L. Buchler provides quality legal help to people who are interested in obtaining debt relief through Chapter 13 Bankruptcy.

Stop Foreclosure with Chapter 13 Bankruptcy
Are you delinquent on your mortgage? Are you worried about the possibility of home foreclosure ? Chapter 13 Bankruptcy can be a viable option for preventing foreclosure and protecting your assets. In Chapter 13 Bankruptcy, debt collectors are prevented from making efforts to collect the debts and the consumer is given a three to five year timeframe to pay off debts. For homeowners facing possible foreclosure, Chapter 13 can be a welcome option. Attorney Robert Buchler has over 29 years of experience handling bankruptcy proceedings and he is here to help you.

Chapter 13 Bankruptcy can also discharge credit card debt, medical bills, other common household bills, and some second mortgages as well as reduce some interest rates. Consumers are usually able to retain all property and assets.

If you are feeling the pressure of a pending home foreclosure and would like to learn if Chapter 13 Bankruptcy is right for you, contact our firm or email us to schedule a free consultation.

FORECLOSURE

Modesto, California Foreclosure Lawyer
The changing sub-prime rate of adjustable mortgages has led to a large number of home foreclosures in the Modesto-Central Valley area. In fact, many reports have placed the Modesto region among the highest foreclosure rates in the nation. If you are worried you may lose your home, let us help you explore your options.

Attorney Robert Buchler has 29 years of experience helping people facing home foreclosure. Together, our firm will explore your options. If you have been threatened with foreclosure, you may have options. If home foreclosure becomes the reality, we can work vigorously to save your income, car and pension. While you may lose your real estate property, you need not lose everything.

At The Law Office of Robert L. Buchler, we understand that you are experiencing a difficult time-whether your unpaid mortgage was brought on by predatory lending techniques and an adjustable rate mortgage or unrealistic expectations about what you could afford monthly. We take time to discuss the details of your mortgage and the reality of your situation. We can help you understand your options and whenever possible, help you avoid foreclosure.

Call The Law Office of Robert L. Buchler at 209-576-8404 or emial us to schedule a free consultation.

STOP CREDITOR HARASSMENT

Eliminate Unnecessary Stress
Harassing calls and letters from collection agents can create unnecessary stress at a time when you are already dealing with the anxiety that comes from financial troubles. Stopping creditor harassment is not easy to do on your own. At the California Law Office of Robert L. Buchler, our experienced lawyer can analyze your situation to let you know what your options are.

We Will Fight For You
If your home, property or personal possessions have been threatened, we can help in the fight against your bank, collections agency or other creditor and prevent repossession. A petition for bankruptcy can be filed resulting in an automatic stay. The automatic stay will prevent creditors from taking certain actions against you, such as collecting the debt, initiating foreclosure or garnishing your wages.

A Warning About Debt Relief Companies
Companies who claim to "reorganize" your debt are not focused on providing you with the best solutions for your situation. When you get down to the fine print, their number one goal is usually to preserve capital. This can lead to major deception and poor customer service. It is important to realize that these debt reorganization companies are not likely to effectively reduce your principal balance.

At the Law Office of Robert L. Buchler, we advise clients to explore all of their options regarding their debt. Though bankruptcy might be a scary word for some, for many people, it is the best option to alleviate financial pressures.

Offering Free Initial Consultations
Contact us to schedule a free initial consultation with a hard-working attorney who is skilled in stopping creditor harassment. Call the Law Office of Robert L. Buchler at 209-576-8404 or contact us online.

PREVENT REPOSSESSION

Stopping Repossession Before It Occurs
If the repossession of your car is imminent, a skilled and knowledgeable attorney can often act on your behalf to prevent the repossession before it occurs. At the Law Office of Robert L. Buchler, our lawyer can in some instances file an immediate, emergency bankruptcy petition in order to stop a repossession from being carried out.

Don't Wait Until it's Too Late
It's important to think about preventing repossession before you are in immediate danger of foreclosure, losing your car or having your wages garnished. At the Law Office of Robert L. Buchler, you will meet with a lawyer who has more than 29 years of experience dealing with repossession, bankruptcy and stopping creditor harassment. Robert Buchler understands that repossession threats are immediate and that preventing a repossession is of utmost importance to you. We will act with the appropriate urgency to file for bankruptcy, in order to put your mind at ease as quickly as possible.

How Fast Does Bankruptcy Work?
As soon as bankruptcy is filed, an automatic stay is issued. This prevents creditors from taking certain actions against you, such as repossessing your car, collecting debt or initiating foreclosure.

Free Initial Consultation
To candidly speak to us about preventing repossession, call 209-576-8404 or email us. At the Law Office of Robert L. Buchler, our caring and knowledgeable team will be your personal advocates in the fight to keep your belongings. Your initial consultation is free of charge.

DEBT NEGOTIATION

We Are Here to Help
Our debt negotiation services may be able to resolve your unpaid accounts without having to file for bankruptcy. At the Modesto Law Office of Robert L. Buchler, we help debtors consolidate and negotiate past due accounts. We will work to help you settle your past due accounts for the lowest amount possible.

Our qualified lawyer can provide debt negotiation services, can stop creditor harassment, put you on the path to repayment, and give you back your financial freedom.

Explore Your Options With an Attorney
At the Law Office of Robert L. Buchler, we advise clients to explore all of their options regarding their debt. We warn our clients to be wary of "debt relief companies" because often times they more focused on their own profits than they are on saving you money. When you hire someone to negotiate your debt, make sure it's someone who is customer-oriented and will give you the personal attention needed to get you the relief you deserve.

Free Initial Consultation
To candidly speak to us regarding your financial situation and our debt negotiation services, call 209-576-8404 or email us. At the Law Office of Robert L. Buchler, our caring and knowledgeable team will be your personal advocates in the fight to eliminate your debt. Your initial consultation is free of charge.

* We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.