How Much Does It Cost To File For Bankruptcy? Filing for Bankruptcy is not costly, and it has the potential to relieve a significant amount of your debt. However, if you truly cannot afford the costs of Bankruptcy, there are other options for you.	What If I Have Already Filed For Bankruptcy? It is possible to file for Bankruptcy more than once, under certain limitations.	I'm Being Sued By A Creditor, What Are My Next Steps? If you have already been sued by a creditor or your lender has already accelerated the note and intends to foreclose it might be too late to negotiate. At any moment your home might be sold, wages might be garnished, or bank accounts might be levied. Consider filing bankruptcy to immediately stop your lenders and creditors from any further collection activities. Don't run the risk of waiting until it's too late.
What If I Have No Way Of Paying Off My Debts? Depending on your situation, filing for Bankruptcy under Chapter 7 and Chapter 13 can eliminate the legal obligation to pay some or all of your debts. This is called a "discharge" of your debts.	Am I Required To Pay My First and Second Mortgages in Full? In a Chapter 13 bankruptcy, you may be able to file a LAM motion an Adversary Proceeding against your second lender (depending on your judge) to remove the second mortgage from title. Under this scenario, you would own your home free and clear of the second mortgage.	How Do I Know If I Am Eligible For A Chapter 7 Bankruptcy? You will be required to present a Statement of Current Monthly Income and a Means Test Calculation so that the court may determine whether you are able to pay creditors. If your current monthly income is equal to or below the state's highest median family income for a family of the same size, you are automatically eligible to file under Chapter 7. If you're above the median income level you will be required to complete and file the "long-form" means test. Ultimately, even if If you are ineligible for a Chapter 7, you have the option to file a Chapter 13 petition where you might be required to pay back a percentage of your debts in the Chapter 13 plan.

Vokshori Law Group never shares your information and all correspondences are protected by the lawyer/client privilege.

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Residents of Sacramento County would be required to file in the Eastern District of California.

If you live in the Sacramento area and are in financial trouble, we can help you. Sacramento Bankruptcy Attorney Stephen Vokshori uses his years of expertise to explain your bankruptcy options and to assist you in any of the following areas:

• Debt Relief
• Foreclosure
• Chapter 7 Bankruptcy
• Chapter 13 Bankruptcy
• Chapter 11 Bankruptcy
• Debt Consolidation
• Debt Settlement
• Budget Counseling

Vokshori Law Group specializes in providing comprehensive and practical bankruptcy advice to individuals, families and small businesses.

Working closely with our clients, our Sacramento bankruptcy attorneys seek solutions that are in our clients' long-term best interests for achieving their goals.

In some cases, Attorney Stephen Vokshori works with clients and discovers that bankruptcy is not in their best interests, and that loan workouts are better options.

Stephen notes, "The threat of filing bankruptcy is sometimes just as powerful as filing bankruptcy itself. If you tell credit card companies bankruptcy is on the horizon, it gives you leverage. And for many clients filing bankruptcy is the solution if your debts are so overwhelming that your daily life is seriously impacted. If your debt is always on your mind or your way of life is threatened -- your house is going to be foreclosed, wages garnished, the car you need to get to work is going to be taken -- then bankruptcy has to be, if not your first thought, then right up there."

"The biggest advantage to declaring bankruptcy is the automatic stay which will prevent a foreclosure from going forward or a car from being repossessed. Bankruptcy is difficult, and it's recommended to get a lawyer. There are costs, but it is a way to get out of overwhelming credit card debt."

The California Eastern District Bankruptcy Court has locations in Sacramento, Modesto, Fresno, and Bakersfield. The counties that are covered by the Eastern District Court include: Alpine, Alpine, Amador, Butte, Calaveras, Colusa, El Dorado, Fresno, Glenn, Inyo, Kern, Kings, Lassen, Madera, Mariposa, Merced, Modoc, Mono, Nevada, Placer, Plumas, Sacramento, San Joaquin, Shasta, Sierra, Siskiyou, Solano, Stanislaus, Sutter, Tehama, Trinity, Tulare, Tuolomne, Yolo, and Yuba.

Judges of the Eastern District of California Bankruptcy Court include, Chief Judge Klein, Judge McManus, Judge Rimel, Judge Holman, Judge Lee, Judge Bardwil, Judge Sargis, Judge Russell, Judge Ford, and Judge Brandt.

The Eastern District is part of the Ninth Circuit, which encompasses the federal courts of nine states: Alaska, Arizona, California, Hawaii, Idaho, Montana, Nevada, Oregon, and Washington. The Ninth Circuit also extends appellate services to the Territory of Guam and to the Commonwealth of the Northern Mariana Islands. The Ninth Circuit is the largest of the twelve federal circuits in size, population, number of federal judges, and volume of litigation. It includes fifteen federal district courts, thirteen bankruptcy courts, and a court of appeals.

C13 trustees covering the Eastern District:

Russell D. Greer
P.O. Box 3051
Modesto, CA 95353 -3051
E-mail: www.mod13.com
Phone: (209)576-1954

Jan P. Johnson
P.O. Box 1708
Sacremento, CA 95812
E-mail: www.jpj13trustee.com/homex.html
Phone: (916)856-8036

Lawrence J. Loheit
P.O. Box 1858
Sacramento, CA 95812
E-mail: www.loheit13.com/index.html
Phone: (916)856-8000

Michael Meyer
7550 N. Palm Avenue, Suite 204
Fresno, CA 93711
Phone: (559) 275-9512
Fax: (559) 275-9518

M. Nelson Enmark
3447 W. Shaw
Fresno, CA 93711
Phone: (559) 277-3995
Fax: (559) 277-0306

For an extensive list of Chapter 7 trustees in California, click here.

Vokshori Law Group never shares your information and all correspondences are protected by the lawyer/client privilege.

Name:
Email:
Phone:

24 hr. Service Promise: We will call you in one day or less.

Vokshori Law Group provides bankruptcy assistance to individuals and businesses in the Sacramento and the Eastern District area, including:

Amador City, Lone, Jackson, Plymouth, Sutter Creek, Biggs, Chico, Gridley, Oroville, Paradise, Angels Camp, Colusa, Williams, South Lake Tahoe, Placerville, Clovis, Coalinga, Firebaugh, Fowler, Fresno, Huron, Kerman, Kingsburg, Mendota, Orange Cove, Parlier, Reedley, San Joaquin, Sanger, Selma, Orland, Willows, Bishop, Independence, Bakersfield, Delano, Arvin, McFarland, Ridgecrest, Shafter, Tehachapi, Wasco, California City, Maricopa, Taft, Avenal, Corcoran, Hanford, Lemoore, Susanville, Chowchilla, Madera, Yosemite Valley, Mariposa, Bootjack, Atwater, Livingston, Los Banos, Merced, Dos Palos, Gustine, Alturas, Mammoth Lakes, Grass Valley, Nevada City, Auburn, Colfax, Lincoln, Rocklin, Roseville, Portola, Citrus Heights, Elk Grove, Folsom, Galt, Isleton, Rancho Cordova, Sacramento, Stockton, Escalon, Lathrop, Lodi, Manteca, Ripon, Tracy, Anderson, Redding, Shasta Lake City, Loyalton, Yreka, Dunsmuir, Montague, Mount Shasta, Tulelake, Weed, Dorris, Etna, Fort Jones, Benicia, Dixon, Fairfield, Rio Vista, Suisun City, Vacaville, Vallejo, Modesto, Ceres, Hughson, Newman, Oakdale, Patterson, Riverbank, Turlock, Waterford, Yuba City, Live Oak, Corning, Red Bluff, Tehama, Weaverville, Dinuba, Exeter, Farmersville, Lindsay, Porterville, Tulare, Visalia, Woodlake, Sonora, Davis, West, Sacramento, Winters, Woodland, Marysville, and Wheatland.