Central California Debt Relief Attorneys
If you are struggling with the burden of unmanageable debt, bankruptcy may be the answer for you. Through bankruptcy, millions of people have obtained the fresh start they need.
At Floyd & Horrigan, we are committed to making a positive difference in the lives of our clients. We use our knowledge of the U.S. Bankruptcy Code to help people obtain debt relief through Chapter 7 bankruptcy and Chapter 13 bankruptcy. If you wish to schedule a free consultation with a bankruptcy lawyer at our firm, contact our law office in Bakersfield, California.
Chapter 7 vs. Chapter 13 Bankruptcy
At your free consultation, we can help you determine if bankruptcy is right for your particular debt challenge. We handle both Chapter 7 and Chapter 13 bankruptcy cases.
Chapter 7 bankruptcy is sometimes referred to as a debt liquidation bankruptcy. It is the most common type of bankruptcy and it is what people typically imagine when they think of bankruptcy. With a Chapter 7 bankruptcy, you can discharge most types of consumer debt. Visit our section on Chapter 7 bankruptcy to learn more.
With a Chapter 13 bankruptcy, we develop a three- to five-year debt repayment plan that is submitted to a U.S. Bankruptcy Court for approval. With a Chapter 13 plan, you are only required to pay back the portion of your debts that you are able to afford, as determined by the court, and your remaining unsecured debts may thereafter be discharged.
Get Help — Not Judgment
People who file for bankruptcy have often experienced difficult life challenges that are beyond their control, including a divorce, job layoff, personal injury or other difficult challenge. At Floyd & Horrigan, we understand that life often presents difficult challenges. We are here to help.
At our firm, you will never find judgment. Rather, you will find a team of dedicated attorneys and helpful support staff who are committed to helping you obtain the relief you need so you and your family can move forward with a renewed sense of hope and security.
Put Debt Worries in the Past
It is normal to be apprehensive about bankruptcy, but most people find that their fears are unwarranted or greatly exaggerated. After people speak with us about bankruptcy, they often feel a great weight has been lifted from their shoulders. For the first time in months or years, they realize that help is available and they often wish they had contacted us sooner.
Contact Us
Let us put our experience to work for you. To schedule a free consultation with one of our Bakersfield bankruptcy attorneys, call 661-578-5671 or contact us toll free at 866-758-4696. You may also contact us by e-mail.
We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.