Can You Avoid Bankruptcy? Know Your Options

Is bankruptcy the right answer for you in your situation? Talk to a lawyer who knows how to assess individual circumstances. If there is another, better way to solve your financial difficulties, we will help you find it at Coggins & Johnston law firm in Rocklin, California.

Call (916) 797-1397 for a free consultation with an experienced bankruptcy attorney.

When you are suffering from the day-to-day pressures of financial problems, it can be hard to determine all your options. Can you avoid bankruptcy? How can you avoid bankruptcy?

Your lawyer will assess your options and offer experienced legal advice.
At our law firm, we know that most people would prefer to resolve their financial problems without filing for bankruptcy. All solutions — involving bankruptcy or not — have advantages and disadvantages. Contact an attorney who will help you examine all your options, give you the pros and cons of each, help you with creditor negotiations, and guide you through the solution you have chosen.

When you owe more than you can pay, how can you avoid bankruptcy?
In cases where one or two obligations are causing most of your financial problems, it may be better to seek ways to solve those problems rather than file for bankruptcy. You may be able to avoid foreclosure of your home mortgage with a short sale or deed in lieu of foreclosure, for example. You may want to restructure loans from secured or unsecured creditors. Before you sign a restructured loan, however, get legal advice to make sure you understand all the conditions. Before you agree to a short sale or deed in lieu of foreclosure, be sure to talk to an experienced lawyer like Coggins & Johnston.

If bankruptcy turns out to be the best option, we can help.
There are times when bankruptcy is the best option under the circumstances. Your lawyer can help you decide if Chapter 13 bankruptcy (reorganization of debts) or Chapter 7 bankruptcy (liquidation of debts) is right for you.

Know your options. Ask how you can avoid bankruptcy.
The first consultation is free at the law firm of Coggins & Johnston. It will give you a chance to get answers to your questions and make an informed, educated decision about your future. No matter what your decision, we can help you end the financial struggle and get a fresh start.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.

The Coggins & Johnston law firm in Rocklin, California, represents bankruptcy and foreclosure clients in Sacramento, Roseville, Rocklin, Granite Bay, Lincoln, Citrus Heights, Davis, Rancho Cordova, Folsom, Woodland, Carmichael, North Highlands, Yuba City, Fair Oaks, Orangevale, El Dorado Hills, Auburn, Placerville, Gold River, Loomis, CA, and other communities in Placer County, Sacramento County, Yolo County, El Dorado County, Yuba County, Central California and Northern California.