Options For Saving Your Home, Part 2: Short Sales And Deeds In Lieu Of Foreclosure

When a homeowner decides that it is no longer feasible to continue living in his or her home, foreclosure is not always inevitable. Instead, it may be time to consider other alternatives to foreclosure that allow homeowners to mitigate the problem of a burdensome home mortgage. An experienced and qualified debt collection defense attorney like Alberto Montefalcon may help reduce stress and uncertainty by providing valuable assistance throughout the entire loss mitigation process. This blog...

How Do I Qualify For A Chapter 7 Bankruptcy?

When filing for bankruptcy, it’s important for all California residents to be aware of specific, important information. Alberto Montefalcon may provide this necessary information which includes the protections provided by federal law when individuals file a bankruptcy case. To qualify for relief under chapter 7 of Title 11, also known as the Bankruptcy Code, the debtor must be either an individual, a partnership, or a corporation or other business entity. Anyone eligible may file a case under chapter...

What is a Chapter 7 Bankruptcy?

Don’t let the stigma of bankruptcy keep you from solving your financial problems! Alberto Montefalcon is here to assist you if your financial position necessitates the consideration of a bankruptcy case filing under Chapter 7, 11, or 13. Schedule a consultation at any of our three conveniently located offices. One of the primary purposes of bankruptcy is to discharge certain debts to provide an individual debtor with a "fresh start." Once discharged, a debtor has no...

Just Visiting? About B-2 Visas

Alberto Montefalcon is a knowledgeable immigration attorney who may assist any individual obtain a visitor's visa to the United States. Depending on the situation, the type of visa will differ. While a B-1 visa is normally used for business purposes, a B-2 is used for personal reasons and purposes such as tourism or medical care. The B-2 Visa is a non-immigrant visa meant for persons entering the U.S. for pleasure or medical treatment. The B-2...

Information Needed AFTER A Bankruptcy Case Is Filed

Americans may file bankruptcy cases to help obtain a fresh start, which helps debtors start over without the everyday pressure of bill collectors trying to force payment. A Chapter 7 bankruptcy case wipes out debts and obligations while a Chapter 13 bankruptcy case requires some debt to be paid in a monthly repayment plan. Any bankruptcy case requires a vast amount of paperwork, forms, and other documentation. Thus, it requires the assistance of an experienced bankruptcy...

Preparing For Bankruptcy - What NOT To Do Before Filing

Preparing for bankruptcy requires some clear thought and planning. Alberto Montefalcon is here to assist anyone who may need to consider filing a bankruptcy case under Chapter 7 or 13. Please schedule a consultation today at any of our three conveniently located offices. Wise bankruptcy debtors should be careful to refrain from taking certain actions before filing to ensure that they don't violate federal law. Prospective bankruptcy filers must be careful of preferences, which is a...

Preparing For Bankruptcy - Actions Before Filing

Preparing for bankruptcy requires some clear thought and planning. Alberto Montefalcon is here to assist anyone who may need to consider filing a bankruptcy case under Chapter 7 or 13. Please schedule a consultation today at any of our three conveniently located offices. Wise bankruptcy debtors should take certain actions before filing to ensure that their money is available during the bankruptcy case. Once a bankruptcy case is filed, the automatic stay, which functions as an...

Preparing For Bankruptcy - Information Needed To File, Part 3

If you are behind on your debt payments and fear default or repossession, bankruptcy may a solution to keeping your motor vehicle. The experienced Sacramento metropolitan area/Northern California 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, 11, or 13. Contact us online or schedule a consultation at any of our three conveniently located offices. When filing a bankruptcy...

Preparing For Bankruptcy - Information Needed To File, Part 2

If you are behind on your debt payments and fear default or repossession, bankruptcy may a solution to keeping your motor vehicle. Contact us online or schedule a consultation at any of our three conveniently located offices. When filing a bankruptcy case, individuals must disclose their entire financial history up to the present. Individuals must file schedules of their assets and liabilities. Assets include bank accounts, retirement accounts, motor vehicles, and real estate. Bank Statements Recent bank...

Preparing For Bankruptcy - Information Needed To File, Part 1

What information and documentation does a person need to file a bankruptcy case? The necessary documents are more or less the same whether filing a Chapter 7 or Chapter 13 bankruptcy case. When filing a bankruptcy case, individuals must disclose their entire financial history up to the present. This involves providing proof of any income and tax returns to the bankruptcy trustee. It also includes two credit counseling/management courses. Certificate of Credit Counseling A debtor must take a...