Alameda bankruptcy attorney James Pixton can help you deal with your financial difficulties.  Your new life begins as soon as you pick up the phone.

STATEMENT CONCERNING COVID-19: PIXTON BANKRUPTCY LAW is open for business and providing quality legal services to our clients during the difficult situation caused by the novel coronavirus. We harness the full power of the internet and other technologies to take care of our clients while they remain in the safety of their own homes. We also offer in-person apointments. WE ARE VACCINATED.

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Answering Your Questions About Bankruptcy

What is Chapter 7 Bankruptcy?

Chapter 7 bankruptcy is a special set of laws from the U.S. government that protects people who are unable to pay their debts. For most people, the chapter 7 bankruptcy process takes about three months. The person (the “Debtor”) is protected from creditor harassment during the entire time. At the end, the Debtor gets an order from the bankruptcy judge called a “discharge order.” That discharge order means that all debts that can be wiped out have been wiped out. Most people who file for bankruptcy in the United States file a chapter 7 bankruptcy case. Click here for more information about chapter 7 bankruptcy.

What is Chapter 13 Bankruptcy?

Chapter 13 bankruptcy is a less common but very powerful type of bankruptcy case. Unlike the very quick chapter 7 bankruptcy, chapter 13 bankruptcy lasts from 36 months to 60 months (three to five years). During that time, the Debtor makes a monthly payment that is used to pay off some of the debts owed by the Debtor. At the beginning of a chapter 13 bankruptcy case, the Debtors and their attorney propose a repayment plan to the bankruptcy judge. If the plan complies with all the bankruptcy rules, the bankruptcy judge “confirms” the plan. This means that the Debtors can hold onto their property, make a monthly bankruptcy payment for the required amount of time and then get a discharge of unpaid debts at the end of the case. Click here for more information about chapter 13 bankruptcy.

Can Bankruptcy Save My Home From Foreclosure?

In a challenging economy, sometimes homeowners fall behind on their mortgage payments and end up in foreclosure. If they don’t do something quickly, they may lose their home in a foreclosure sale. Chapter 13 bankruptcy can sometimes be a great tool to fix this problem. By filing a chapter 13 bankruptcy case, a homeowner can get up to five years to catch up on the mortgage arrears. In certain cases, the homeowner can also wipe out a second mortgage and credit card debt. Click here to find out more about how bankruptcy case save a homeowner from foreclosure.

Can Bankruptcy Help Me With Taxes?

An Alameda bankruptcy attorney can help you deal with the IRS and the California Franchise Tax Board! James Pixton is experienced in with tax issues. It is not commonly known the many taxes can be wiped out in bankruptcy. If you meet certain requirements, you can avoid paying old taxes if you file a bankruptcy case. But be careful! The issues are complicated. Maybe you talk to an experienced attorney about eliminating taxes through bankruptcy. Click here to find out more, or call bankruptcy attorney James Pixton today at (510) 451-6200, extension 101.

Don’t delay! Call Alameda bankruptcy attorney James Pixton today to schedule an appointment to talk about eliminating credit card debt or taxes, chapter 7, chapter 13, or stopping a foreclosure. The number is (510) 451-6200, extension 101.

James Pixton is an attorney expert. Part of his job as an attorney here in Alameda is to help his clients understand the financial effects of their choices