Can’t sleep at night? Avoiding answering the phone? Do 800 numbers scare you… do you ignore the “unkown caller”. Do you dread going to your mail box for fear of all the bills, collections notices and threatening letters? If so, we need to talk.

Hi, I’m Joel Winter, I’ve helped hundreds of your neighbors navigate through some pretty rough financial times. While facing your financial troubles is hard. Ignoring them will just make them worse. They won’t just “go away”. They only get more aggressive.

We can stop all the phone calls and collection notices. At the Winter Law Group we are skilled at relieving the financial stresses in your life. I invite you to give us a call to see how we can help you today. The Law was built to help honest Americans get a second chance. That’s what I’m here for.

I’d like to help you find solutions that will get you back on firm financial ground. We can discuss your current financial status and goals for the future. Then we can determine whether bankruptcy is right for you—and what type of bankruptcy will be most advantageous.

If you determine a Fresno bankruptcy is the best avenue for you, I can help you navigate the process, including the recent changes in bankruptcy law. For a caring Fresno Bankruptcy Attorney, contact us today at 559-321-8671 to schedule a FREE consultation.

Register for our Free report that reveals your options to keeping your home in Fresno Bankruptcy. A must read if you are behind on your house payments.

Confer with a competent Fresno Bankruptcy Attorney before you lose your home. Foreclosure can be stopped or delayed.

Foreclosure can be stopped with a Fresno bankruptcy or at least delayed. You may not have to lose your home. Check with a skilled Fresno Bankruptcy attorney first.

Saving your home is often the first concern when filing for bankruptcy. Read this report to discover your options.

Free report details what to ask a Bankruptcy Attorney in Fresno to help you save your home.

Fresno Bankruptcy does not mean that you will go homeless. Free report details your home options.

So, Fresno Bankruptcy can actually start you on the way to great credit? This is an important question to ask your Fresno Bankruptcy Attorney. To begin , you need to understand that the old adage : “the bigger they are – the harder they fall.” Is absolutely true here.

If your credit is in the 700’s or above, it is correct that your credit is going to take a significant drop after filing for bankruptcy. However, most people that file bankruptcy have been wrestling to keep up their payments for  several months. So their credit is already in the 500’s or lower.

The way that credit companies determine your credit score has to do with the high balances you have on your credit cards and unsecured debt and how many slow payments that show up on your credit file. Once you file for bankruptcy, the balances are wiped to zero and the credit companies can no longer show any slow payments.

So your credit slate is like starting over. Typically a person will see a bigdrop in their credit for a limited period, but as you begin to make smart financial decisions your credit score will begin to slowly rise. Your slow payments no longer appear and your report has no over the limit balances.

People often get a credit card in the mail within 9 to 12 months of filling bankruptcy . Of course the rates can be extremely high . If you choose to accept a credit card, be careful! Only use the credit card for gas and incidentals and pay it off every month .

After 12 months or so, you’ll be able to buy an automobile on credit. But don’t run out and buy the car of your dreams. Look at that car as a credit tool. Purchase a car that has very affordable monthly payments that you can easily afford. Remember, this car is not your dream car. It’s a car to get you back into the American Dream. It will help you re-establishcredit.

Every day , people often ask if bankruptcy will ruin their credit . The true fact is, most people already have bad credit and the quickest process to start a new credit life is through a thoughtful bankruptcy.

Obviously, everyone needs to make the decision to declare bankruptcy with caution and with sound advise from an attorney. We suggest you contact a Bankruptcy Attorney in Fresno to review all of your options.

Don’t file for Bankruptcy without doing your due diligence. Watch this video to discover 10 things you need to know. Plus, register for our FREE ebook.

Can’t sleep at night? Avoiding answering the phone? Do 800 numbers scare you… do you ignore the “unkown caller”. Do you dread going to your mail box for fear of all the bills, collections notices and threatening letters?

You can stop all the phone calls and collection notices.

Can’t sleep at night? Avoiding answering the phone? Do 800 numbers scare you? Do you dread going to your mail box  because there’s never any good news there. All that you find there are bills, collections notices and threatening letters? If you’re struggling with the burden of debt and your considering bankruptcy in Fresno, CA. Here are 5 things you need to know.

First of all, you need to be assured that you are not alone. Times are tough in Fresno‚ People from all walks of life have been hurt by the economy. The law was put in place to help people get a new lease on life. It is legal and ethical. But you need to be careful. Here are some tips and some myths exposed that can help you with your decisions.

3 Questions to ask yourself

1) Are you just trying to get out of your commitments?
2) Have outside influences truly thwarted your attempts to make good on your financial obligations
3) Are you ready to start over and to avoid some of your mistakes from the past

5 Questions you need to ask your attorney

1) Is this the main area of practice? What percentage of your practice involves personal bankrupty work? (If it’s less than 50%, go the next one on the list)

2) After reviewing your situation, ask the attorney point blank: Is bankruptcy a good option for me? (Make sure your Fresno Bankruptcy attorney explains the different options from Chapter 7 to Chapter 13) Understand the risks and consequences of each. Your attorney should have a written document for you to review so you can make a studied and informed decision.

3) What is the best way to communicate? Most Fresno Bankruptcy attorneys use email in order to have a record of correspondence. But if you don’t email‚ you need an attorney who will pick up the phone. How much access will you have to the attorney? And will you be working directly with the attorney or a paralegal? You want to choose an attorney with personal touch and interaction on your case. Also, fear sets in when you can’t reach your attorney. Be very clear on how and when you will get updates from your chosen attorney.

4) What are the ramifications of filing for bankruptcy in Fresno? How will this affect your financial situation currently? How will it affect your future? How will it affect your credit? Make sure to get straight answers‚ not a sales pitch. For example, a Chapter 7 may discharge most or all of your debt, and stop collection activity. A Chapter 13 may allow you to catch up mortgage payments, or restructure other debt. If your Fresno Bankruptcy attorney tells you some hard things. Be grateful they are telling you the truth. But ask for assurances that they will help you personally through the rough waters. If they seem distracted or not fully engaged in the process‚ go to the next attorney. You do have options.

5) How do you pay for Bankruptcy in Fresno? There are a multitude of payment options. They can charge hourly, or a flat rate.  If you choose flat rate, make sure you are clear on exactly what you get for the flat fee.

6) Will the attorney accompany you to court. Typically there is only one visit to the courthouse, called a hearing. Make sure that the attorney themselves will be at your side. You are paying good money for this process… sometimes the last dime you have. Make sure you choose and attorney who values your sacrifice and is committed with his or her time and attention. The should be at the hearing with you.

7) Be clear on the Fees. Ask exactly how much the fees are and what they include. The cheapest price is not always the best. You are paying an attorney to help restructure your financial future and to help relieve the stress you are currently in. This is not the time to go cheap. You want thorough and professional guidance. This is your biggest investment in your future.

Once you are comfortable with these answers, then make your decision. You may want to interview a couple of attorneys before you commit.

Good luck in your financial future. If you want more complete information on how to prepare for bankruptcy, call us at 559.321.8671. We’re local and we can help.

You’ll be able to register for a FREE report that exposes 15 myths about bankruptcy. Plus, you’ll discover more details about how to choose the very best bankruptcy attorney in Fresno.

Call Today 559.321.8671