Do you have problems making bill payments? Are these payments regularly delinquent? Is this monthly routine causing financial hardship and even other non-financial problems? Is this stress negatively affecting quality of life? Is bankruptcy a viable option and solution? Have you considered it? If so,...
If you are facing debt problems, bankruptcy may be a viable solution. The experienced Sacramento metropolitan area/Northern California defense attorneys at the Montefalcon Law Offices are here to help you if your financial position necessitates the consideration of a bankruptcy case filing under Chapter 7,...
Congress, through its enactment of The Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 (BAPCPA), created what is known as "The Means Test" to determine potential bankruptcy debtors' ability to repay any of their general unsecured debt. Debtors compute their income as defined by...
Alberto Montefalcon serves individuals who need to file bankruptcy. Many are consumers, some married, some single, who need to address and solve their problems related to financial hardship. At times, some of these individuals operate their own businesses as sole proprietors. How does this affect...
An experienced and knowledgeable bankruptcy attorney such as Alberto Montefalcon may assist anyone whose financial situation necessitates the filing of a bankruptcy case. Prospective bankruptcy debtors need someone to provide them with information about their rights, including whether to file a bankruptcy case. Many prospective bankruptcy...
Unfortunately, bankruptcy debtors, especially those that represent themselves, often make errors on their bankruptcy petition, schedules, or statement of financial affairs. However, while they may correct any mistakes with the necessary amendments, retaining an experienced bankruptcy attorney like Alberto Montefalcon at the very inception of...
To learn about bankruptcy, contact Alberto Montefalcon, an experienced Sacramento metropolitan area/Northern California bankruptcy attorney. Contact his office online or schedule a consultation at any of our three conveniently located offices. Telephone our downtown Sacramento office at (916) 444-0440, our South Sacramento office at (916)...
Federal bankruptcy law changed significantly in 2005 with the enactment of Bankruptcy Abuse Prevention and Consumer Protection Act (BAPCPA). The Act was a result of a billion-dollar lobbying effort by the banks and credit card companies. It was aimed at reducing the number of bankruptcy...
Alberto Montefalcon has the experience and knowledge to help any person properly consider his or her options when overwhelmed with financial difficulties as a result of unpaid debt. One possible viable option for individuals who are delinquent on debt payments is filing a Chapter 7...
A "bankruptcy estate" is an artificial entity created by federal law consisting of a bankruptcy debtor's legal and equitable interests as of the commencement of the bankruptcy case. The property of a bankruptcy estate is liquidated to repay creditors in a Chapter 7 case. ยง...