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) 399-9944, or our Concord office at (925) 222-5929 for an appointment today.

Title 11 (the Bankruptcy Code) requires that bankruptcy debtors file schedules of their assets and liabilities, as well as a statement of financial affairs. Prospective bankruptcy debtors are required by federal law to list each and every debt and creditor on their schedules. This requirement is not optional and debtors may not omit any debt or creditor.

Every debt for which a debtor is legally obligated must be listed on Schedule D, E, or F. As this is an important analysis, If a debt is omitted, it may not be discharged, which is an unwanted result by just about any debtor. Alberto Montefalcon may help any bankruptcy debtor accurately and completely prepare these required schedules.

However, this is not an unsolvable problem. Debts and creditors not initially included when the schedules are first due for filing may be added by amending such schedules. There is an additional filing fee, thus forgetting or omitting a debt or creditor has a financial cost, albeit minimal.

An experienced Sacramento metropolitan area/Northern California bankruptcy attorney like Alberto Montefalcon is here to help you if your financial position requires the consideration of bankruptcy as a solution to once and for all solve immediate financial problems. 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) 399-9944, or our Concord office at (925) 222-5929.