At Comfort Law Office we have an experienced team of professionals who are dedicated to helping our valued clients find effective solutions to eliminating their debt and moving on with their lives. We represent clients who live in the greater San Francisco Bay Area, with our office conveniently located near the intersection of Highways 92 and 101 in the City of San Mateo.

BANKRUPTCY AS A SOLUTION
Through Chapters 7 & 13 Bankruptcy we can help prevent or stop foreclosure on your home and repossession of your car. If you have lawsuits, Chapter 7 or Chapter 13 will stop those actions and will prevent or stop bank levies and wage garnishments.

A FRESH START THROUGH CHAPTER 7
Chapter 7, also known as liquidation bankruptcy, allows you to eliminate unsecure debt such as:
Credit card debt (including lawsuit Judgments)
Medical bills
Unsecured loans
Some Personal Income Tax Debt (which is older and meets the Discharge guidelines).

Chapter 7 will not, however, discharge debts such as child support, student loans or recent tax obligations.

We can help you determine your eligibility for Chapter 7 based on a means test. If you do not qualify or you have significant assets that would not be protected under Chapter 7, we can help you file for Chapter 13 bankruptcy.

REORGANIZING DEBT THROUGH CHAPTER 13
If your income is too high to qualify for Chapter 7 bankruptcy or you have assets that would not be protected under it, you may still have the opportunity to get debt relief through Chapter 13. As with a Chapter 7, we can prevent or stop foreclosure of your home, car repossession, wage garnishment and help you eliminate or minimize your credit card debt. We can also help you keep your property and end creditor harassment.

If you have filed for bankruptcy within the past eight years or a significant portion of your debt is tax or secured debt, Chapter 13 may be a better option for you than Chapter 7. In a Chapter 13 case we can help you lower your monthly payments on your debt and stop interest and penalties on tax debt. We will work with you to create a debt repayment plan spread over three to five years. Once a Chapter 13 case and Plan is filed with the Court, you make a monthly payment to the Chapter 13 Trustee who then disburses those funds to your creditors.

The main advantage to Chapter 13 over other ‘repayment’ plans offered by consolidation companies is that you have the protection of the Federal Bankruptcy laws while your creditors are compelled to file claims with the Court. We have seen many clients over the years come to us for help after receiving lawsuits from creditors who did not choose to participate in these programs.

Many people are uncomfortable in filing a bankruptcy and want to repay their debt. Chapter 13 offers a viable solution to those who feel this obligation but balances this dilemma in a way that is fiscally responsible to your family.

DEBT NEGOTIATION AS AN OPTION
For various reasons you may prefer to have our office assist you by negotiating a substantial reduction in your debt directly with your creditors. We save you the hassle of dealing with them – often credit card companies or their collectors. Unlike commercial debt consolidation companies, our law firm affords you actual protection under the Federal and State Fair Debt Collection laws as your attorney representative.