Randall Heiler - Attorney at Law - Randall Heiler - Attorney at Law
Bankruptcy
When should you meet with a bankruptcy attorney?
Meet with a bankruptcy attorney as soon as you start having issues paying your debts, even if you don’t know if you want to or need to file for bankruptcy yet. Your first meeting will cost you nothing - I offer a free first consultation. I may be able to suggest actions to avoid bankruptcy. I will explain the details about how bankruptcy works and talk about the kinds of debts that will or will not be discharged in bankruptcy. Also, I can discuss with you and warn you against taking certain actions in the several months prior to filing, that way you can maximize the benefits of bankruptcy and minimize the losses.
Chapter 7 Bankruptcy: A Fresh Start
If you have been unable to pay your bills and are overwhelmed by your debt, Chapter 7 bankruptcy may be a wise choice. Chapter 7 bankruptcy protects you from your debt and from the harassment of creditors. All of your unsecured debt will be discharged, with certain exceptions. Randall Heiler, Attorney at Law, can help you understand your rights and your obligations in filing bankruptcy.
A Way Out of Debt
Bankruptcy attorney Randall Heiler offers comprehensive debt-relief services. Our law firm has assisted a significant number of clients throughout the communities in and around Sacramento County, Placer County, Yolo County, El Dorado County in climbing out of debt and into a brighter financial future.
Keep Your Home and Your Car With Chapter 7 Bankruptcy
Two common questions I am asked:
What will I lose? What will I keep?
Most of our clients keep their personal belongings. The only thing those clients lose is their unsecured debt: credit cards, medical bills and the like. In most cases, clients can prevent home foreclosure and continue to own their auto as long as they stay current with mortgage or auto loan payments. State and federal laws protect these assets from being taken away from you.
What I Do
Bankruptcy attorney Randall Heiler will review your financial situation and help you understand your legal options; is bankruptcy the right kind of help for you? I do not just hand you the 30 pages bankruptcy packet and tell you to go fill it out; rather, I help you understand what is being requested of you and how to best gather and present that information to your advantage. I offer a free initial consultation so that I can answer your questions and so that you can learn why my assistance is valuable.
ATTORNEY FEES: I have flexible payment plans to fit your financial needs. I start your case for $200.00.
Call Today for Your Free Initial Consultation
Call my experienced debt-relief law firm at 916-783-4374. Contact me online: This e-mail address is being protected from spambots. You need JavaScript enabled to view it
Bankruptcy Documents
Here are some useful bankruptcy documents:
INFORMATION ABOUT CREDITOR'S MEETING
FEE AGREEMENT AND QUESTIONNAIRE
Mandatory Debtor Education Course after Filing
Every individual debtor in a chapter 7 case must complete a personal financial management (or debtor education) course before they will be granted a discharge. This debtor education course is separate from and required in addition to pre-bankruptcy credit counseling. To comply with the debtor education requirement, the course must be completed after the filing of the petition. A list of approved providers of personal financial management (debtor education) course providers is available on this site. To signal the Court that the course in personal financial management has been completed, the debtor and joint debtor, if any, must file Official Form 23, Debtor’s Certification of Completion of Instructional Course Concerning Personal Financial Management. In chapter 7 cases, Official Form 23 should be filed within 45 days of the first date set for the meeting of creditors. If the debtor fails to file Official Form 23, their case can be closed without discharge. The Court will provide Form 23, or it is available on this site.
Tax Returns - Individual debtors must provide a copy of their tax returns for the previous two years. (or a transcript of the returns) to the trustee and any creditor who requests a copy no later than seven days before the date first set for the meeting of creditors. Please provide them to me and I will forward them to the trustee.
Wage Statements - Copies of all wage statements, payment advices, or other
evidence of payment from an employer provided to the debtor within 60 days
before the date of filing of the case must be provided by the debtor to the trustee
not later than seven days before the date first set for the meeting of creditors. Please provide them to me and I will forward them to the trustee.
Mandatory Pre-Bankruptcy Credit Counseling
All individual debtors who file bankruptcy on or after October 17, 2005, must undergo credit counseling from an approved counseling agency within 180 days before filing for bankruptcy. The counseling may be waived or deferred in some cases. A list of approved credit counseling agencies is available on this site. A statement concerning compliance with the credit counseling requirement must be completed and filed by the debtor. Please have your certificates of completion emailed to me.
Federal Courthouse
The Federal Courthouse is located at:
United States Bankruptcy Court
501 I Street
Sacramento, California 95814
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Randall Heiler, Attorney at Law ~ 1380 Lead Hill Boulevard, Suite 106 ~ Roseville, CA 95661-2997
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Our Practice
My office is located Roseville, near the Roseville Automall near Interstate 80. I provide free consultations, and free house calls - let me know what makes it easier for you.
Once hired, I also provide free question and answer sessions, I welcome inquiries about how the documents work and I provide assistance with transferring assets into the client's estate plan. I can also assist with the administration of an estate, whether through the probate process or through trust administration.