Debt Relief Lawyer in Cerritos

Are you in need of debt relief?

In California, many people and businesses are experiencing financial stress and debt burdens they never expected. At RJB Law Offices, we have seen this happen to thousands of hardworking individuals that we have been able to help. Our first order of business is to let you know that there are many ways to successfully achieve debt relief or debt settlement. A dedicated and knowledgeable Cerritos debt negotiation attorney can provide you with many choices and guidance as to what solution may be best for you.

Bankruptcy has become a common tool for relief from overwhelming debt. It is a court based system designed to reduce or eliminate your debts while retaining important assets such as your home, your vehicle, retirement accounts, personal valuables and others. It is intended to be a fresh start in your life. Chapter 7 bankruptcy provides for selling specific assets in order to pay off certain debts. At the end of Chapter 7, other debts can be wholly dismissed. Chapter 13 bankruptcy requires a repayment plan that satisfies your creditors while allowing you to pay your debts over a 3-5 year period. Bankruptcy may not, however, be the best solution for you.

Debt Relief Solutions

Other solutions to your financial problems can include:

• Lien stripping - a method used in Chapter 13 bankruptcy to "strip" a second mortgage from your debts.
• Loan modification - ways of modifying your mortgage so that you are able to make the payments.
• Foreclosure defense - successfully defending against foreclosure so that you can keep your home.
• Debt settlement - methods of negotiating with your creditors to settle or reduce creditor bills.
• IRS tax resolution - we work with the IRS so that past due taxes are solved in a way that satisfies them while being manageable for you.

We pride ourselves in treating each client who comes to us as a unique person with individual needs and goals. There is no single financial solution for every person. By getting to know you, by understanding your financial situation, we work towards achieving peace of mind for you concerning your finances.