Michael Benavides represents clients in chapter 7 bankruptcy for only $900 in attorney fees. His flat fees are designed to help Marin County clients afford debt relief at a time when funds are low. In chapter 7 bankruptcy Michael Benavides can eliminate credit card debt, medical bills and other unsecured debts. In chapter 13 bankruptcy Michael Benavides can stop foreclosure or repossession and protect valuable property. To learn more about your bankruptcy options call Michael Benavides at (707) 200-6688 for a free consultation.
Why Are Michael’s Fees So Low?
Many clients call Michael Benavides after being quoted over $2,000 by other Marin County bankruptcy attorneys. With such a dramatic difference in price many prospective clients wonder how he can charge only $900.
Michael Benavides charges a flat fee of $900 for chapter 7 bankruptcy because he does not pay for advertising. Clients find santarosabankruptcy.us and call his direct line at (707) 200-6688 for a free phone consultation. He does not pay for expensive yellow page ads, commercials or internet advertising. In other words, unlike the $2,000 bankruptcy attorneys, Michael Benavides keeps his operating expenses low and passes the savings onto clients.
Many homeowners in Marin County face foreclosure due to reduced income or increased expenses. With the high cost of living in Marin County even a temporary financial setback can lead to foreclosure. Fortunately, clients facing foreclosure can save their home through chapter 13 bankruptcy. In chapter 13 bankruptcy Michael can stop the Trustee’s sale with an emergency filing. Once the emergency bankruptcy petition has been filed Michael Benavides will propose a 3 to 5 year repayment plan during which the client will catch up on delinquent mortgage payments. After meeting certain conditions, this repayment plan will be binding on the mortgage company. The client will be able to keep their home and catch up on payments over 3 to 5 years.
Chapter 13 Bankruptcy
Not everyone qualifies for chapter 7 bankruptcy. If your income is over a certain threshold and you don’t pass the means test you may be prohibited from receiving a discharge under chapter 7 bankruptcy. In that case, you may need to file chapter 13 bankruptcy or chapter 11 bankruptcy. In chapter 13 bankruptcy you will commit your disposable monthly income to repaying creditors over 3 to 5 years. In exchange, you can keep property that would otherwise be sold in chapter 7 bankruptcy. At the end of your 3 to 5 year plan certain unpaid unsecured debts can be discharged. To file chapter 13 bankruptcy contact an experienced bankruptcy lawyer for a free consultation.