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Muoi Chea is an experienced Bankruptcy Attorney in Sacramento, Stockton, and Fairfield, California. For over 15 years, I have successfully represented exclusively Debtors in Chapter 13 Bankruptcy and Chapter 7 Bankruptcy proceedings in Bankruptcy Courts at Sacramento and Modesto, California.
I have a long consistent track record of being a successful bankruptcy attorney helping consumers and small business owners eliminate and reorganize their debts. I have helped thousands of Northern and Central California residents.
I have successfully stopped foreclosure, wage garnishment, IRS tax levy and garnishment, car repossession, and creditor’s lawsuit and harassment.
My Sacramento Bankruptcy Attorney Office is NOT A MILL. I will personally handle your case from start to finish. I, personally, will take the time to answer your questions during the consultation and over the phone. NOT my paralegal or secretary. You are being represented by me and no one else. My clients are very pleased on how quickly I respond to their questions.
When you come in for a consultation in either Bankruptcy Attorney Offices in Sacramento, Stockton, or Fairfield, CA, I will explain your options under the Bankruptcy Law as well as Bankruptcy alternatives. I have worked on thousands of cases and I am capable of giving you scenarios that I have faced as an experienced Bankruptcy Lawyer. A lot of my clients find that my initial consultation is very detailed and appreciate my thoroughness. I do not like to sugar-coat Bankruptcy and I do not like to dismiss my clients cases as “easy”. I feel you deserve to know the process and potential risks and downsides even though the risk is miniscule.
Everyone needs a second chance. Whether you are facing foreclosure or accumulated debts because of illness or lost wages, bankruptcy can give you the second chance that you need to regain control of your life. Most people do not know that medical bills and lost of income are the main reasons why people file for personal Chapter 7 or 13 Bankruptcy. Everyone at some point in their life find themselves in a situation that is beyond their control. STOP blaming yourself and look for a solution for your debt.
You would be shocked at the number of people who filed for bankruptcy throughout Sacramento, Placer, Yolo, San Joaquin, Stanislaus, Yuba, and Solano county California. Most likely you know someone who filed for either Chapter 13 Bankruptcy or Chapter 7 Bankruptcy but they did not tell you. Inaction and delays can only make your situation worse, especially when you are facing imminent foreclosure, wage garnishment, and lawsuit from creditors. It is time to put an end to your financial problems and get a fresh start.
When you come in for your consultation in the Sacramento, Stockton, or Fairfield CA Bankruptcy Attorney Offices, I will go over your personal situation and explain how bankruptcy may affect each of your debts and assets. I will not recommend bankruptcy unless you need it. My aim is to provide the very best counsel to my clients, and I will be as objective as possible about your options.
At the end of the consultation, if you decide that Bankruptcy is the right option for you, I will quote you a reasonable fee. You are under no obligation, and whatever you decide, my advice to you during the consultation is free. My fees are reasonable because I sympathize that you are struggling financially and are seeking debt relief. That is why I also offer Payment Plans so that we can begin the road of recovery together quicker.
9245 Laguna Springs Drive, Suite 200
Elk Grove, CA 95758
5250 Claremont Ave.
Stockton, CA 95207
1652 West Texas St.
Fairfield CA 94533
Chapter 7 Bankruptcy is also known as “liquidation”, which can be used to wipe out credit cards, unsecured loans, medical bills, deficiency from repossession or foreclosure. Click on Chapter 7 Bankruptcy for more information.
Chapter 13 Bankruptcy is also known as “reorganization”. If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, wage garnishment, car repossession or tax debts or tax levy, Chapter 13 bankruptcy can help give you some breathing room. Chapter 13 bankruptcy can also eliminate your 2nd and 3rd mortgages or equity line of credit on your house. Click on Chapter 13 Bankruptcy for more information.
What are some of the Differences Between Chapter 7 Bankruptcy and Chapter 13 Bankruptcy?
Schedule a Free Phone Consultation to determine if you qualify for the benefits of Bankruptcy. Click here for a list of what to bring for your bankruptcy consultation.
I accept cases throughout all of Northern and Central California cities:
Alpine, Amador, Ione, Jackson, Colusa, El Dorado, Lassen, Modoc, Mono, Nevada, Placer, Plumas, Sacramento, Sierra, Solano, Sutter, Yolo, Yuba City, Davis, Woodland, Elk Grove, Carmichael, Citrus Heights, Orangevale, Antelope, Fair Oaks, West Sacramento, Roseville, Rocklin, Rancho Cordova, Lincoln, North Highlands, Folsom, El Dorado, Fairfield, Vacaville, Benicia, Dixon, Vallejo, Winters, Auburn, Marysville, Nicolaus, CA and other nearby cities in California. Residents in these Northern California cities will attend court hearing in the Sacramento Bankruptcy Court, which is located at 501 I Street, Sacramento, California 95814.
Lodi, Galt, Tracy, Stockton, Acampo, Manteca, Lathrop, Modesto, Ripon, Oakdale, Newman, Patterson, Calaveras, Sonora, Angels Camp, Arnold, San Andreas, CA and other nearby cities in California. Residents in these Central California cities will attend court hearing in the Modesto Bankruptcy Court, which is located at 1200 I Street, Modesto, California 95354.
If your cities are not listed above and you live in Northern or Central California, please call my office to check if you are within my district and I can accept your case. Some cities are beyond my reach because it will involve a long commute for your court hearing or it is outside the Eastern District of California.
We are a Debt Relief Agency. We help people file for bankruptcy relief under the Bankruptcy Code.
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Debts and Community Property Community Property are properties acquired by either spouses during marriage except for gifts, inheritance and properties obtained prior to marriage (i.e.,
One Spouse File for Bankruptcy? Yes. One spouse can file for bankruptcy and the other spouse do not have to file. When doing intakes with
Multiple bankruptcy cases. Is that possible? In most cases yes. If you received a discharge from a prior bankruptcy case, you may file another. The
Chapter 13 Bankruptcy – Who Qualifies? According to Bankruptcy Code 11 U.S.C. 109(e): Chapter 13 Bankruptcy Qualifications: “Only an individual with regular income that owes,
The topic in this section is Voluntary Bankruptcy Case Conversion. Why would a Debtor convert her Chapter 13 Bankruptcy case to a Chapter 7 Bankruptcy
Whether you want to file for Chapter 7 Bankruptcy or Chapter 13 Bankruptcy, you must file your case at the proper Bankruptcy Court. For example,
Starting on January 1, 2021, the California homestead exemption is increased to at least $300,000 but up to $600,000 for every homeowner. The amount depends
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Sacramento Bankruptcy Attorney A creditor may mistakenly mail you an IRS Form 1099 cancellation of debt after you receive your Bankruptcy Discharge. No sweat. When
Under the HAVEN Act, which Veterans Administration or VA benefits are excluded in Bankruptcy Current Monthly Income calculation? (HAVEN Act is acronym for Honoring American
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In August, 2019, the President of the United States signed the Honoring American Veterans in Extreme Need Act of 2019 (aka the Haven Act) into
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What do you do if you can no longer afford your Chapter 13 Bankruptcy plan payments? What if the sole reason you are in a
Chapter 13 Bankruptcy can be used to stop auto repossession and reduced payments. Are you in danger of auto repossession? You can file a Chapter
A lot of my clients equate the time that bankruptcy will stay in your credit report to the time you will be without credit. This
Should you sign the Reaffirmation Agreement for your Car Loan in Chapter 7 Bankruptcy? Your auto lender would prefer you sign and agreed to the
Documents to bring to Muoi Chea, Sacramento Bankruptcy Attorney consultation: 7 months of pay stubs or documentations of all source of income for the last
I am an experienced bankruptcy attorney with Law Offices in Sacramento, Stockton, and Fairfield, California. Having multiple offices allows me to work on over 1,000 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.
