Brian Barboza
Sonoma County
Bankruptcy Attorney

The Law Offices of Brian A Barboza is a Bankruptcy Law Firm and a licensed Debt Relief Agency. We assist people in Sonoma County, Marin County, Napa County, Mendocino County, and Lake County with filing Chapter 7 Bankruptcy and Filing Chapter 13 Bankruptcy.

We also represent both Debtors and Creditors in Bankruptcy related litigation referred to as Adversary Proceedings. We help people discharge credit card debt, medical bills, mortgages, deficiency balances owed from auto repossessions, utility bills, broken leases, taxes, school loans, debts incurred due to divorce proceedings, and other types of loans and financial obligations. We also stop lawsuits before they go to judgments by filing bankruptcy. In addition, we stop creditors from garnishing wages, placing liens on property, and levying bank accounts.

Filing Bankruptcy is a difficult decision and an intimidating idea. However, our Law Office prides itself on giving solid and sound legal advice and representing people through the bankruptcy process. We take great satisfaction in protecting people from aggressive creditors and getting the client the fresh start they deserve. A bankruptcy discharge will end creditor harassment such as constant phone calls, lawsuits, and threatening mail. The bankruptcy discharge will allow the person to regain financial stability and give them an opportunity to get on the right track to a successful future.

When we sit down with a new client for the initial free one hour consultation it is important for us to learn about the client and what lead them to their current financial situation. We will discuss the types of debts they have and explore bankruptcy as an option. If bankruptcy is not the best option we will look at other debt relief options.

Once it is decided that Bankruptcy is a viable option than we will begin preparing a case. This will require gathering all of the clients Creditor information for credit cards, medical bills, auto loans, mortgages, student loans, tax debts, and whatever other liabilities or potential liabilities the person may have. We will determine which chapter of bankruptcy is the best option for the client.

When we file a bankruptcy the clients creditors must stop all collection activity. This injunction is referred to as the automatic stay. This will relieve the client of the harassing phone calls and mail from the credit card agencies, medical bill collectors, auto loan repossession creditors, mortgage lenders, and all other creditors. The bankruptcy filing will also stop a scheduled foreclosure sale from happening.

In addition to filing a Chapter 7 bankruptcy we also represent clients though Chapter 13 Bankruptcies as well. Often times a chapter 13 bankruptcy is more beneficial to a client than a Chapter 7 bankruptcy. For instance during a chapter 13 bankruptcy we will bring an action against a second mortgage or other type of creditor who has a lien on the clients real property in order to remove the lien from the home. In fact, if a client’s home is under water we may be able to get rid of their second mortgage. Another instance in which a chapter 13 may be more beneficial than a chapter 7 bankruptcy is if the client has non-dischargeable tax debt. We can structure a chapter 13 to primarily deal with the tax debt and stop the tax debt from incurring more interest and penalties.

Our Bankruptcy Law Firm has helped many people throughout Sonoma County, Marin County, and Napa County who were unemployed, behind on credit card payments, sued by creditors, struggling to keep up on credit cards, and dealing with stressful financial situations.

In addition, to representing individuals in filing for bankruptcy our firm also represents parties involved in bankruptcy litigation. This bankruptcy representation includes both Debtors and Creditors. We represent Creditors in Chapter 7, Chapter 13, and Chapter 11 bankruptcies. This representation includes adversary proceedings, filing proofs of claim, and representing parties at various hearings such as Section 341 hearings also referred to as the Meeting of Creditors.

Our Bankruptcy Law Firm takes pride in giving our client personalized bankruptcy representation. We want the client to understand their situation and what they can expect when filing a Chapter 7 or a Chapter 13 Bankruptcy. Also, we want the client to know that filing a bankruptcy is a way to start fresh and begin rebuilding their credit. In addition to discharging the client’s personal liability on credit card debts, medical bills, loans, auto loans, mortgages etc. the bankruptcy filing allows them to be in a position to gain access credit again to use credit responsibly for the important and necessary life expenses and emergencies.

Representing people through the bankruptcy process and helping them get rid of overwhelming debt is our Bankruptcy Law Firms primary goal. We want our clients to get debt relief and understand the meaning of a fresh start. Discharging credit card debt, medical bills, judgments, auto loans, personal loans, mortgages, and other types of debts is the purpose of the bankruptcy laws and The Law Offices of Brian A Barboza represents debtors in Windsor, Santa Rosa, Rohnert Park, Petaluma, Novato, San Rafael, Napa, Sonoma County, Marin County, and Napa County through the Chapter 7 and Chapter 13 Bankruptcy Process.