Consequences of bad bankruptcy advice can be disastrous. Bankruptcy is a complex process. Even a small mistake can cost you dearly. Only a doctor can give you medical advice. Similarly, only a bankruptcy lawyer can offer bankruptcy advice. Bankruptcy is a legal process which normally governs by the United States Bankruptcy Code. The exempt properties will determine with the help of State laws. There are many self-proclaimed experts who are willing to offer you advice for a fee. But remember, any advice on bankruptcy is legal advice and only a lawyer can offer legal advice concerning bankruptcy. Don’t take chances. Contact Thomas Hogan Law Office Modesto.
For a consultation with our expert Modesto bankruptcy lawyer, give us a phone call (209) 492-9335.
Bankruptcy Petition in Modesto, CA
There are many software packages available in the market that claim to prepare bankruptcy petitions based on the inputs provided by the user. Bankruptcy petition preparation is complex and time consuming. There are many forms to be filled and submitted to the court. Even a small mistake can prove costly. Therefore you should hire the services of a bankruptcy attorney your bankruptcy petition preparation. Our Modesto office bankruptcy attorneys can assist you prepare your bankruptcy petition accurately.
Modesto Bankruptcy: Retirement Assets
Never listen to anyone who advices you to use your retirement assets to prevent bankruptcy. Our bankruptcy attorneys in Modesto will advise you against using retirement assets to avoid bankruptcy. Most of the debts that you’re seeking to pay off can discharge in bankruptcy. Your retirement funds will be perfectly safe from the hands of any creditors, unless you have borrowed against your retirement plan. Therefore, is important that you avoid using retirement assets to prevent bankruptcy.
A Fresh Start
If you are considering bankruptcy, contact Thomas Hogan Law Office Modesto. Our bankruptcy attorneys can advise you whether you qualify for Chapter 7 or whether you should file under Chapter 13. Our attorneys will prepare you petition and ensure that your debts are discharged to the extent permitted by law. Remember bankruptcy is a legal process meant to give debtors a fresh start in life. A person considering bankruptcy must be made aware of the consequences and the debts that debts that will be discharged and those that won’t be discharged in a bankruptcy.
Foreclosure in Modesto
Missing a mortgage payment should be of serious concern to you. When you miss your first payment or you know you are about to default for the first time, it is vital that you get in touch with the lender and explain the reason for your default. The lender will be in a position to assist and may give you additional time to become current. Many lenders have foreclosure prevention programs. You may be eligible for these programs. You can negotiate with the lender to modify the terms of your mortgage to allow you to make lower payments every month. If you are facing foreclosure, consult with the foreclosure attorneys of Thomas Hogan Law Office Modesto to know your options.
Avoiding Pitfalls
The entire process from preparing of the bankruptcy petition till discharge is complex and there are many pitfalls which must need to avoid. Especially, One wrong move can prove costly for you. Moreover, The right advice is very important. After analyzing your case our attorneys will explain the pitfalls and advantages of filing for bankruptcy under different chapters. The attorney’s fee will be well worth the advice and service you will receive from the attorney. Contact the Thomas Hogan Law Office Modesto today.
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CLIENT TESTIMONIALS
I was in a difficult situation and needed a reputable and trustworthy lawyer to represent me in court against a government agency. I am glad I made an appointment to meet Tom Hogan in his office. The entire office staff is very courteous and professional. Tom Hogan is very likeable, he has a good sense of humor, and my anxiety went away after talking to him for a few minutes. He listened intently on what I had to say and gathered information by asking me several questions pertaining to my case. He has great attention to details. I was able to understand better my predicament after he explained the situation I am in so I decided on day 1 that he is the lawyer I am looking for. He showed up on all my court dates and stood for me against seemingly insurmountable odds. For those who are summoned to appear in court by the government, I guess you can relate… you are in between a hard place and a rock. His arguments turned around the case in my favor. The last court appearance went like a blur and I was still in disbelief as we are walking out of the court house. I asked him, what is going on? He responded ” We won. They are not going to bother you anymore.”
Joe StocktonMr. Hogan took a personal interest in helping me with my legal issue. It was refreshing to find a lawyer that did not treat you like a number. He asked all the necessary questions so that he could properly represent me. He obviously has a lot of experience and it showed in how he handled my case. I would definitely recommend Mr. Hogan to any of my friends for legal assistance.
Al M. ModestoWhen I decided to get married he established my pre-nup. Since I had no idea how or what to put into it he was able to advise me on thing I would have never thought about. then 8 years later I needed a legal separation. Since the pre-nup was very detailed it made the legal separation quick and easy. Tom is very knowledgeable and is very understanding. I appreciate that he is tough when he needs to be but at the same time sensitive to the situation. He won’t just tell you what you want to hear but is honest and tell you how the law looks at things. I recommend Tom to anyone that needs a lawyer!
Jeri E. ModestoMr. Hogan and his staff were a pleasure to work with. I consulted with them regarding a potential IRS tax issue. They answered all my questions gave me invaluable advise. I am sleeping much better at night since my stress has been diminished. Thank you Mr. Hogan.
Evelyn M. ModestoIf you need an attorney with a keen understanding of financial matters, look no further than Tom Hogan. Mr. Hogan deserves the gold star for his accomplishments as an attorney and CPA. I never expected to ever find an attorney as competent, caring and driven as Mr. Hogan. As soon as Tom took on my case, he was determined to help me. He immediately plowed through the reams of documents pertaining to my case, financial and legal, and honed in on the critical pieces.
Roberta C. Modesto