Riverside Chapter 7 Bankruptcy Lawyer

Knowledge and Experience to Help You Overcome Financial Crisis

Attorney Winfield Payne has been practicing bankruptcy law since 1979. If you are experiencing financial struggles, Mr. Payne has the knowledge and experience to help you. Please contact our firm to arrange a consultation regarding bankruptcy and any of the related issues.

· Bankruptcy
Divorce, medical expenses, loss of a job, or disability can happen to anyone. The financial struggles that follow may result in overwhelming debt. Our firm helps consumers file bankruptcy under the new code.

· Chapter 7 Bankruptcy
Chapter 7 bankruptcy is debt liquidation. Individuals need to qualify for Chapter 7 bankruptcy under the new means test.

· Chapter 11 Bankruptcy
Chapter 11 bankruptcy is designed for businesses. Chapter 11 bankruptcy is a reorganization and repayment plan.

· Chapter 13 Bankruptcy
Chapter 13 bankruptcy is a way for consumers to reorganize and repay debts. This is generally for individuals who have an income and assets such as a home and car.

· Chapter 13: Stripping Second Mortgages
If you have a second mortgage, it can be considered an unsecured loan and therefore dischargeable through Chapter 13 Bankruptcy.

· Foreclosure
Are you delinquent on mortgage payments and in danger of losing your home? Our firm can help stop foreclosure and get you back in control of your finances.

· Tax Consequences of Debt Cancellation
There are two circumstances where debt cancellation is not considered income by the IRS.

· Car Repossession
A car is a secured debt that can be repossessed when a consumer is seriously delinquent on payments. Our firm can help you save your car from being repossessed through filing bankruptcy.

· Reaffirming Car Loans
If you are current on your car payments and filed bankruptcy, you may still need to reaffirm your car loan or risk repossession.

· Discharge of Income Taxes
It may be possible to discharge your income taxes in certain situations. Talk to our firm to learn more.

· Creditor Harassment
Our firm can help with credit card and other debt. We can help stop harassing phone calls and letters from collection agencies.

· Protecting Property
Many people are concerned about losing all their possessions when they file bankruptcy. Mr. Payne is knowledgeable about exemptions and can help you keep your personal property.

· Garnishments
We help people who have concerns about IRS and wage garnishments.

Contact an experienced lawyer from Winfield Payne & Associates today to arrange a free consultation.