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Providing solutions to overwhelming debt
Especially in our poor economy, where jobs are unavailable or pay is significantly less than previously, mounting debt can begin to feel unmanageable and overwhelming. At the Law Offices of Michael
G. Spector, we bring the knowledge and skill that we have acquired over the years to help you take control of your debt so that you can take control of your life.

Negotiators of debt relief options
We want what is in your best interest, which is not always bankruptcy. When bankruptcy is not your best option, we step in on your behalf to persuade creditors to lower your debt and to accept more-reasonable monthly payments.

Experts in debt analysis
We truly listen to your needs. We thoroughly analyze your case to determine if bankruptcy offers the most effective way to ease your financial burden. We review your debts, income, and expenses, and we explain the ultimate impact that bankruptcy would have on your family, business, home and future credit. We answer all your questions about the bankruptcy process and the outcomes that you should expect. Our compassionate approach to bankruptcy leaves no surprises.

Reprieve through automatic stay
Creditors’ aggressive collection methods unfairly compound the stress of escalating debt. You can put an end to the constant harassing phone calls and letters that are meant to intimidate you into paying debts you cannot afford. As soon as you file for bankruptcy, creditors must immediately stop collections efforts, including those distressing letters and phone calls. We then deal with your creditors so that you can regain your peace of mind.

Your bankruptcy options in California

  • Chapter 7 bankruptcy

If you and your spouse own few assets and earn relatively low wages, Chapter 7 bankruptcy is available to provide relief from your debts through liquidation of your assets. Because many household and personal items are exempt from bankruptcy liquidation, you can make a fresh start with limited disruption to your life.

  • Chapter 11 bankruptcy

If you own a corporation, partnership or sole proprietorship, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a reorganization plan. The Chapter 11 option helps you escape debt without losing the business you struggled so hard to build.

  • Chapter 13 bankruptcy

Chapter 13 bankruptcy enables you to prevent your lender from foreclosing on your home. If you and your spouse have substantial incomes, but sudden illness, job loss or another unexpected circumstance has interfered with your ability to pay your debts, Chapter 13 bankruptcy enables you to pay debts over time in smaller amounts.

Contact us today
To schedule your free bankruptcy consultation, call the Law Offices of Michael G. Spector at 714-835-3130 or contact us online today.