Firm Overview

Riverside, California, Bankruptcy Law Firm

Since 1979, attorney Winfield Payne has been helping consumers and businesses file for bankruptcy protection. Over the years, changes have been made to the regulations and procedures of bankruptcy filings. Despite these changes, Mr. Payne has offered his clients a consistent type of legal representation. He provides each client with thorough, hands-on, and personalized services. From the initial consultation through bankruptcy filing and proceedings, Mr. Payne personally handles all aspects of his clients' case.

Please contact the firm for help in any of the following areas.

• Bankruptcy
• Chapter 7 Bankruptcy
• Chapter 11 Bankruptcy
• Chapter 13 Bankruptcy
• Foreclosure
• Car Repossession
• Debtor-Creditor Issues
• Protecting Property
• Garnishments

Your Initial Consultation

You should bring certain forms and documents to your initial consultation with Mr. Payne. This includes tax returns, pay stubs, credit reports, and a list of all creditors. From here, Mr. Payne can advise you about required credit counseling, the length of the case, and what is required of you as a client. If you are struggling with overwhelming debt, this consultation can be an important step toward financial freedom and a new direction.

New Bankruptcy Law

The new bankruptcy law went into effect in October 2005. The new law requires those interested in filing bankruptcy to participate in credit counseling. The individual will need to go through credit counseling before filing, by an agency approved by the United States Trustee's office. After the bankruptcy case has settled, the individual will need to participate in an additional credit counseling class. Individuals will also undergo a means test, comparing them to the median income of the state in which they live. This means test will determine a person's eligibility for filing Chapter 7 Bankruptcy.

Please contact Winfield Payne & Associates to arrange your consultation and learn how we can help you.