I am an experienced bankruptcy attorney with Law Offices in Sacramento, Stockton, and Fairfield, California. Having multiple offices allows me to work on several hundreds of diverse bankruptcy cases. Throughout the years, I have a long track record of successfully helping my clients eliminate or restructure their debts under Chapter 7 and Chapter 13 Bankruptcy.
Whether you are a consumer or a business owner, I have worked on cases just like yours before because of the diversity of cases I received through several Offices throughout Northern and Central California. This Office is NOT a mill. When you come to see me, you will soon realize that your case will receive my personal attention-meaning, I will handle your case from start to finish and promptly answer all your questions.
Your questions will not be answered by non-attorneys. I do not cut-off clients or limit my time to them when they have a lot of questions. Once you retained my Office, you have my undivided attention because I want to make sure that I ascertain what your goals are and the means to achieve them.
Whether you are a consumer or a business owner, I have worked on cases just like yours before because of the diversity of cases I received through several Offices throughout Northern and Central California. This Office is NOT a mill. When you come to see me, you will soon realize that your case will receive my personal attention-meaning, I will handle your case from start to finish and promptly answer all your questions.
Your questions will not be answered by non-attorneys. I do not cut-off clients or limit my time to them when they have a lot of questions. Once you retained my Office, you have my undivided attention because I want to make sure that I ascertain what your goals are and the means to achieve them.
Services
Chapter 13 Bankruptcy - $499 down payment plus Filing Fee to FILE CASE for Sacramento, Stockton, Fairfield, CA Bankruptcy Attorney Offices ||| Chapter 7 Bankruptcty Attorney fees vary by case.
Whether it is Chapter 7 or Chapter 13 Bankruptcy, know your rights.
Call us at (916) 441-4205, (209) 751-7448, or (707) 394-4195, to schedule your FREE consultation at the Sacramento, Stockton or Fairfield, CA Bankruptcy Attorney Offices.
Whether it is Chapter 7 or Chapter 13 Bankruptcy, know your rights.
Call us at (916) 441-4205, (209) 751-7448, or (707) 394-4195, to schedule your FREE consultation at the Sacramento, Stockton or Fairfield, CA Bankruptcy Attorney Offices.
Chapter 7 bankruptcy can discharge most or all of your unsecured debt.
Examples of dischargeable unsecured debts are credit cards, medical bills, deficiency from repossessions and foreclosures, and personal loans not secured by any collateral (aka unsecured loans).
Chapter 7 does not deal with secured debts, which are debts that are secured by collateral like a car or house.
See Chapter 13 Bankruptcy.
If you have a wage garnishment, once your Chapter 7 bankruptcy petition is filed, "automatic stay" is in effect, which prevents creditors from further garnishing your wages except for priority debts like child support and alimony.
Examples of dischargeable unsecured debts are credit cards, medical bills, deficiency from repossessions and foreclosures, and personal loans not secured by any collateral (aka unsecured loans).
Chapter 7 does not deal with secured debts, which are debts that are secured by collateral like a car or house.
See Chapter 13 Bankruptcy.
If you have a wage garnishment, once your Chapter 7 bankruptcy petition is filed, "automatic stay" is in effect, which prevents creditors from further garnishing your wages except for priority debts like child support and alimony.
The payment is based on your disposable income and the type of debts you have.
In most cases, you only pay a fraction of your debt.
In the FREE consultation, if Chapter 13 is a viable option, I will estimate your monthly payment under the Chapter 13 plan.
Chapter 13 Bankruptcy can stop foreclosure and repossession by restructuring your debts so that you can afford to keep your house or car and also by reducing your debt: (1) eliminating your 2nd and 3rd mortgages or home equity line of credit; (2) eliminating a portion or all of your credit cards, unsecured loans, medical bills; (3) cramming down your car loan to the retail value of your car; (4) eliminating unsecured, nonpriority portion of certain tax debt; etc.
In most cases, you only pay a fraction of your debt.
In the FREE consultation, if Chapter 13 is a viable option, I will estimate your monthly payment under the Chapter 13 plan.
Chapter 13 Bankruptcy can stop foreclosure and repossession by restructuring your debts so that you can afford to keep your house or car and also by reducing your debt: (1) eliminating your 2nd and 3rd mortgages or home equity line of credit; (2) eliminating a portion or all of your credit cards, unsecured loans, medical bills; (3) cramming down your car loan to the retail value of your car; (4) eliminating unsecured, nonpriority portion of certain tax debt; etc.
Chapter 13 Bankruptcy: repayment plan to creditors because of at least one of the following reasons: your income is too high; you have a lot of assets that you want to keep; your last bankruptcy was filed too recently but you need to file another bankruptcy case because of overwhelming debts.
The repayment plan is between 3 to 5 years and most of the time you are paying back only a fraction of your debt.
Sometimes as low as 1% depending on the case.
The unsecured, dischargeable debt that are not required to be paid back will be eliminated.
The repayment plan is between 3 to 5 years and most of the time you are paying back only a fraction of your debt.
Sometimes as low as 1% depending on the case.
The unsecured, dischargeable debt that are not required to be paid back will be eliminated.
STOP Foreclosure - Muoi Chea Bankruptcy Attorney Offices in Sacramento, Stockton, Fairfield, California.
You should call a Foreclosure Lawyer immediately if you are facing imminent foreclosure.
If you cannot afford one, I offer payment plans.
You may be paralyzed by how quickly the monthly mortgage statements keep piling up.
Then finally, you received the dreaded Notice of Default that tallied up how many payments plus penalties and fees that have accrued and then gives you only 90 days to catch up! 90 days later, if you are unsuccessful in negotiating the loan with your lender or obtain a loan modification, you will next receive a Notice of Trustee Sale Date, which is at least 20 days away from the date on the Notice of Trustee Sale.
You should call a Foreclosure Lawyer immediately if you are facing imminent foreclosure.
If you cannot afford one, I offer payment plans.
You may be paralyzed by how quickly the monthly mortgage statements keep piling up.
Then finally, you received the dreaded Notice of Default that tallied up how many payments plus penalties and fees that have accrued and then gives you only 90 days to catch up! 90 days later, if you are unsuccessful in negotiating the loan with your lender or obtain a loan modification, you will next receive a Notice of Trustee Sale Date, which is at least 20 days away from the date on the Notice of Trustee Sale.
Reviews (6)
Marie
Mar 06, 2024
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About my consultation. I have never wanted to write a review so badly in my life. This attorney does not actively listen and is rude. She asked me detailed questions about my situation and I answered in great detail. More than a few times, she repeated her question such as about dates and time frames of different events. After about the third time she did this, I said "I already told you the date/time" and I proceeded to repeat what I had told her just moments before. She very rudely said, "You need to adjust your tone when you're talking to me." The audacity. My tone literally never changed. I asked her how my tone was rude or inappropriate and she replied "because you said I told you." Well lady, I did tell you and I don't think she understands the definition of tone/tonality. I had to repeat myself many times and I expressed this to her.
Not actively listening to a potential client is in itself rude and unprofessional. I would never speak to anyone the way she spoke to me. SlDuring our conversation she also would ask me a question and then interrupt me while I was mid sentence. I would not do business with someone who obviously has a low regard for people in general and lack people skills. From my experience, lawyers are usually the MOST pleasant during a consultation because, of course, they want you to become a client. Imagine a month from now how she would be treating me. I am going to go out on a limb and say that her "sparkling personality" (thats sarcasm) has not won her many clients because she answers her own phone.
Not knowledgeable. She only offered one option for how I could keep one of my vehicles before knowing the value of my vehicle. FYI, in Ca you have 4 options and one of them began around 2023. When I asked about one of my other options that is the only time she offered that option and said I would be able to do that (after she asked a few details). Had I not known about the option she would not have offered it.
Not actively listening to a potential client is in itself rude and unprofessional. I would never speak to anyone the way she spoke to me. SlDuring our conversation she also would ask me a question and then interrupt me while I was mid sentence. I would not do business with someone who obviously has a low regard for people in general and lack people skills. From my experience, lawyers are usually the MOST pleasant during a consultation because, of course, they want you to become a client. Imagine a month from now how she would be treating me. I am going to go out on a limb and say that her "sparkling personality" (thats sarcasm) has not won her many clients because she answers her own phone.
Not knowledgeable. She only offered one option for how I could keep one of my vehicles before knowing the value of my vehicle. FYI, in Ca you have 4 options and one of them began around 2023. When I asked about one of my other options that is the only time she offered that option and said I would be able to do that (after she asked a few details). Had I not known about the option she would not have offered it.
Shawn Glass
Feb 04, 2024
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Muoi had been an amazing attorney in working through what I thought would be a difficult process. She explained every step of the way in easy to understand terms. She was timely in communicating through each portion of the process.
I also found her fee extremely competitive in a sea of options.
If you find yourself in the unfortunate position of needing to file bankruptcy, you don’t need look any further.
I also found her fee extremely competitive in a sea of options.
If you find yourself in the unfortunate position of needing to file bankruptcy, you don’t need look any further.
Sue P.
Dec 02, 2023
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Muoi Chea was strongly recommended to me, and every bit of praise I heard about her proved to be accurate. She is a highly educated attorney who possesses extensive knowledge, is responsive, and exhibits kindness. If you're seeking someone who can guide you through the legal process from start to finish with clarity and support, I urge you to reach out to her. You won't be let down.
Donna Berry
Nov 30, 2023
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Tessa T.
Oct 27, 2023
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If you are looking at for a knowledgeable, kind, efficient and extremely effective attorney I highly recommend Muoi Chea. She has an excellent combination of both the legal expertise needed to handle complicated bankruptcy situations plus the interpersonal skills necessary to aid families in need (especially those with elderly persons affected by financial issues that might not be tech savvy). She reduces the stigma and fear that often accompanies the idea of bankruptcy through her kindness and competence as well as extreme patience as she is guiding folks through the process. She is very easy to get a hold of, ultra responsive and timely. She goes out of her way to assist you in understanding the next steps. She helped one of my older family members and when the case got complicated (client mess up not hers) she went the extra mile to provide prompt and creative solutions to the problem. At first I was impressed by her education but now I think I'm just most impressed by what a good person she is. You will not regret hiring her.
Russel Keehn
Aug 05, 2023
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Muoi Chea has been an invaluable support during challenging times in my life. She consistently went above and beyond, ensuring that no detail was overlooked in getting the job done. I highly recommend her services! Additionally, she made sure that the pricing was reasonable, understanding that unforeseen circumstances can arise. I appreciate her approachable and neighborly manner of communication. Well done and thank you, Muoi Chea!
