Filing for bankruptcy is an important decision that has significant implications for your life. But when mounting debt begins to feel unmanageable, bankruptcy is a legal option that can provide relief. At the Law Office of J. David Munoz, I help clients in the Whittier area and throughout California decide whether filing for bankruptcy is the most effective way for them to take control of their debt.
Bankruptcy is not your only option. As an experienced negotiator, I often work with creditors to develop out-of-court solutions that avoid bankruptcy. Frequently, I can negotiate a smaller debt amount payable in more manageable monthly installments.
I assist people with overwhelming debts. I analyze your case to determine if bankruptcy will advance your immediate and long-term financial goals. I will review your debts, income and expenses, and explain the full effects of bankruptcy on your family, business, homeownership and access to credit. If bankruptcy is the right choice, I provide detailed information about the bankruptcy process and a complete picture of the outcome you should expect. My upfront approach to bankruptcy gives you confidence in your financial future.
The U.S. Bankruptcy Code provides relief for businesses and consumers. Each has different eligibility requirements and different advantages in particular situations. Filing a bankruptcy petition automatically triggers an automatic stay, meaning creditors must immediately stop collections letters and phone calls. I will correspond with your creditors from the moment you file for bankruptcy and act entirely on your behalf.
The most common forms of bankruptcy are:
If bankruptcy is the right choice for you, I will be at your side, guiding you through the process from start to finish.