The Law Offices of Susan J. Salehi remain fully functioning during this time. We will continue to work on all existing and prospective cases and matters. We are primarily working remotely and are committed to providing you with the best legal representation possible and will continue to deliver the results you deserve and expect. Call today for a Free no obligation consultation with attorney Susan J. Salehi to find out if Bankruptcy is an option for you.
Credit card debt, foreclosure and mounting medical bills due to layoffs illness and even death puts undue stress on the lives of many California families. Feeling out of control, helpless, guilty and scared is common but it doesn't have to be. Although filing for bankruptcy can be a scary thought, it is the last alternative for many people looking for a way out of their situation.
I would like to formally introduce myself, my name is Susan J, Salehi and I am a Chapter 7, Chapter 11, and Chapter 13 bankruptcy attorney, providing services to everyone who lives in Ventura, Oxnard, Camarillo and surrounding areas.
Credit card debt, foreclosure and mounting medical bills due to layoffs illness and even death puts undue stress on the lives of many California families. Feeling out of control, helpless, guilty and scared is common but it doesn't have to be. Although filing for bankruptcy can be a scary thought, it is the last alternative for many people looking for a way out of their situation.
I would like to formally introduce myself, my name is Susan J, Salehi and I am a Chapter 7, Chapter 11, and Chapter 13 bankruptcy attorney, providing services to everyone who lives in Ventura, Oxnard, Camarillo and surrounding areas.
Services
Part of my job is to reassure clients that bankruptcy is not as serious as it sounds, there are still good sides to the situation and everything is going to be okay.
From an early age, we as Americans learn that buying and consuming goods and services is something that we need to engage in.
It helps our economy grow and it benefits businesses that are located here in the Ventura Oxnard, Santa Barbara and Bakersfield metropolitan area.
However, when our finances get turned around, all of the buying and consuming that we have done can sometimes come back to hurt us.
From an early age, we as Americans learn that buying and consuming goods and services is something that we need to engage in.
It helps our economy grow and it benefits businesses that are located here in the Ventura Oxnard, Santa Barbara and Bakersfield metropolitan area.
However, when our finances get turned around, all of the buying and consuming that we have done can sometimes come back to hurt us.
Yes, that is always the easiest thing to tell someone facing financial chaos and is sometimes impossible to achieve.
But if you face a very tight financial situation, you need to try to maintain daily, weekly and monthly budgets.
It may be impossible to stick to an artificial, inflexible budget, but over the long run you will have more and more success living within the budget.
Many people unable to make the payment on their first and second (and sometimes third) mortgages might have options to extinguish mortgages in bankruptcy.
But if you face a very tight financial situation, you need to try to maintain daily, weekly and monthly budgets.
It may be impossible to stick to an artificial, inflexible budget, but over the long run you will have more and more success living within the budget.
Many people unable to make the payment on their first and second (and sometimes third) mortgages might have options to extinguish mortgages in bankruptcy.
The Law Offices of Susan J. Salehi is committed to providing the highest level of legal advice and services to every client.
I have limited my practice to helping thousands of individuals manage or eliminate their debts through Chapter 7 or 13 bankruptcies since 1992.
Every client meets with me personally and every effort is made to treat everyone with respect and dignity during very stressful times.
I am always very aware that I am meeting with people who have had no other exposure to attorneys or the legal system, and who rely on me to listen to them, and give them straightforward advice which they can use to decide if bankruptcy is their best option.
I have limited my practice to helping thousands of individuals manage or eliminate their debts through Chapter 7 or 13 bankruptcies since 1992.
Every client meets with me personally and every effort is made to treat everyone with respect and dignity during very stressful times.
I am always very aware that I am meeting with people who have had no other exposure to attorneys or the legal system, and who rely on me to listen to them, and give them straightforward advice which they can use to decide if bankruptcy is their best option.
Bankruptcy is not a bad word.
The word bankruptcy is formed from the ancient Latin bancus (a bench or table), and ruptus (broken).
In ancient Greece, the notion of debt forgiveness was unknown.
If a man owed a debt that he was unable to pay, his entire family including any servants he may own became debt slaves.
In England, the first official laws concerning bankruptcy were passed in 1542, under Henry VIII.
At that time, a bankrupt individual was considered a criminal and, as such, subject to criminal punishment ranging from incarceration in debtors' prison all the way to the extreme sentence of death.
The word bankruptcy is formed from the ancient Latin bancus (a bench or table), and ruptus (broken).
In ancient Greece, the notion of debt forgiveness was unknown.
If a man owed a debt that he was unable to pay, his entire family including any servants he may own became debt slaves.
In England, the first official laws concerning bankruptcy were passed in 1542, under Henry VIII.
At that time, a bankrupt individual was considered a criminal and, as such, subject to criminal punishment ranging from incarceration in debtors' prison all the way to the extreme sentence of death.
Chapter 7 bankruptcy, sometimes call a straight bankruptcy is a liquidation proceeding.
The debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors.
The debtor receives a discharge of all dischargeable debts usually within four months.
In the vast majority of cases the debtor has no assets that he would lose so Chapter 7 will give that person a relatively quick "fresh start".
You can file a Chapter 7 case every 8 years.
If you are not eligible to file another Chapter 7 but need relief from creditors, you can be eligible to file a Chapter 13 case.
The debtor turns over all non-exempt property to the bankruptcy trustee who then converts it to cash for distribution to the creditors.
The debtor receives a discharge of all dischargeable debts usually within four months.
In the vast majority of cases the debtor has no assets that he would lose so Chapter 7 will give that person a relatively quick "fresh start".
You can file a Chapter 7 case every 8 years.
If you are not eligible to file another Chapter 7 but need relief from creditors, you can be eligible to file a Chapter 13 case.
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