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Obama Proposes Bankruptcy Law Changes

Senator Barack Obama has proposed to change the bankruptcy laws to make it easier for debtors facing foreclosure to keep their homes and easier for debtors with outrageous medical expenses to declare bankrutpcy.

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Does Bankruptcy Carry a Social Stigma? 

Debtors considering bankruptcy should not allow guilt or shame to prevent them from filing.

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Bankruptcy Filings are Increasing

Despite the well-publicized changes to the bankrupcy laws in 2005, bankruptcy filings are rising.

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awards The Bar Association of San Francisco Announces 2007 Award Recipients 

In May 2008, the BASF announced winners of the 2007 Housing Justice Award.

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Consumer Bankruptcy
Considering Bankruptcy?

If you are being harassed by collectors, your wages are being garnished, lenders are threatening foreclosure or repossession, or a major event such as illness, job loss, or divorce has threatened your financial solvency, you may want to consider bankruptcy.

Filing bankruptcy results in a Court imposed automatic stay which stops collectors from calling, stops wage garnishment, and halts any attempts to foreclose on real property or repossess personal property.

This allows you the breathing room you need, and with a bankruptcy attorney's assistance, you can eliminate many debts and reorganize your assets so that you have the best possible chance of financial success.

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Bankruptcy Remains an Option
2005 Bankruptcy Law Changes

In 2005, Congress passed significant bankruptcy reform legislation aimed at preventing what the Republican led Congress regarded as bankruptcy abuse by consumers.

Congress passed this legislation in response to the powerful credit card lobby. In actual fact, the vast majority who filed for bankruptcy did so for legitimate reasons.

As a result of this unfortunate legislation, the number of consumer bankruptcies dropped considerably in 2006, the first full year after the new law went into effect. However, bankruptcies are rising again as economic conditions worsen and consumers learn that the new law DOES NOT prevent them from declaring bankruptcy.

The law does, however, impose a few new requirements and restrictions which a bankruptcy attorney can assist you with.

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Welcome

My firm specializes in debtor side consumer bankruptcies filed under Chapters 7 and 13 of the Bankrutpcy Code. If you choose my office to handle your bankruptcy filing, you'll find that my attorney fees are lower than you'll find elsewhere, and that your case will be handled in a professional and supportive manner.

My office is conveniently located in the Upper Market/Castro neighborhood just outside of downtown San Francisco. We are on the Market Street municipal subway line with easy connections to and from BART. The office is a single flight walkup from Market Street.

Our office is a debt relief agency under applicable law. We proudly help people file for bankruptcy relief under the Bankruptcy Code.

We Offer the Following:
  • A FREE initial consultation. Simply call 415-865-0212 or email dennis@dwheelerlaw.com to schedule your consultation.
  • I will tell you the documents, if any, to bring to your consultation.
  • During your consultation, we will discuss your financial condition in detail and decide whether bankruptcy is appropriate, and if so, under which Chapter (7 or 13) to file.
  • We will discuss any pre-bankruptcy actions that may be necessary or advisable.
  • We will discuss the cost of your bankruptcy, including attorney fees and how those fees will be paid.
  • I will give you disclosures mandated under law, and should you decide to go forward with a bankruptcy filing, a follow up appointment or appointments will be scheduled to finalize your bankruptcy petition and accompanying schedules.
  • I will be available to answer any questions you may have about the process and will guide you through what has become a complicated procedure.
  • If you are considering bankruptcy, waiting could compromise your position. Don't wait, call 415-865-0212 today to schedule an appointment with a bankruptcy attorney.

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