BANKRUPTCY
“We had a great experience working with Mr. Rambuski's office. Mr. Rambuski and his paralegal, Marissa Rowland, take a lot of stress out of the process. Mr. Rambuski and Ms. Rowland were always available for our calls and able to answer all the questions that we had. They walk you through the whole process and give ample help in gathering all of the required information needed for your case. Very professional, friendly, and honest. We would highly recommend Mr. Rambuski.”
-Jill K.
A full-service bankruptcy law firm specializing in all aspects of personal and business bankruptcies, litigation and business counseling
Our experience allows us to assist clients in all aspects of bankruptcy. We handle representation both in and out of bankruptcy courts involving matters related to:
Banks
Corporations
Partnerships
Professional corporations
Limited liability companies (LLCs)
Construction firms
Wholesale and retail firms
Law firms
We represent clients in multi-million dollar chapter 11 cases and have litigated bankruptcy cases to the Ninth Circuit Court of Appeals.
Pre-Bankruptcy Planning
When people realize their financial situation is changing and taking a dramatic downturn, they need time to explore their options. It is essential for them to contact an experienced bankruptcy attorney who can help them assess whether bankruptcy may be the best legal option for their situation.
At the Law Offices of Edwin J. Rambuski, we are here to help you plan for bankruptcy by helping you analyze your finances and make key, timely decisions regarding your economic future. We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.
For more information about filing for bankruptcy, please contact us today to schedule an initial consultation with Edwin J. Rambuski. The initial consultation is free.
There are 10 pre-bankruptcy planning tips that will help you decide whether bankruptcy is right for you.
1. Timing of filing for bankruptcy: Since the Bankruptcy Recovery Act of 2005 was passed, if you are unemployed or experiencing a reduction in pay, there may be a window of opportunity where one type of filing is better than another because of how the means test is now used. Our office can help you correctly calculate your income to see if you qualify for bankruptcy relief under the means test.
2. Use of credit cards: You may need to stop using credit cards and taking cash advances if you are contemplating filing, because issues of fraudulent activity may come into play. It is important to discuss this issue with a bankruptcy attorney in order to avoid fraudulent activity accusations.
3. Divorce and bankruptcy: If you are considering filing for divorce and bankruptcy at the same time, it is crucial to talk to an attorney in advance of taking legal action on either issue to ensure legal remedies are available.
4. Organizing your finances: It is critical to know where you stand financially in order to make an informed decision about bankruptcy, which includes providing your most recent pay stubs for the past six months, so when you meet with Edwin J. Rambuski he can properly assess your financial situation.
5. Bill payment: If you have a limited amount of money, you should meet with Edwin J. Rambuski to structure a hierarchy regarding which bills you need to prioritize. This strategy is important when deciding to keep current on secured debts, such as home and car payments, and which bills and other debts may be set aside.
6. Legal problems: If you are being threatened with garnishment, or a judgment is being assessed for non-payment, you should not wait for these actions to take place. This will not only put you further behind on obligations, but it also may not be dischargeable later. Speak to Edwin J. Rambuski before these legal actions take place, not after.
7. Protecting certain assets: There are assets you may not want to “spend down” prior to the possibility of filing for bankruptcy, such as retirement accounts and 401(k)s. Certain assets are exempt from bankruptcy liquidation.
8. Understanding non-dischargeable debts: Certain debts may not be dischargeable, including most student loans and child support obligations. Edwin J. Rambuski will help you go through the process of evaluating your debts to determine which debts are dischargeable and which are non-dischargeable.
9. Good faith: If you continue to stay current on your home and car payments, this can help you protect these assets.
10. Debts to family: It is a good idea to discuss obligations to family members with an attorney before you repay them. Edwin J. Rambuski can help you plan for this within the confines of the bankruptcy process.
All of these issues require careful consideration when you are contemplating filing for bankruptcy.
Complete The First Meeting Forms, then contact our office today to schedule an appointment.
After you have decided to hire Edwin J. Rambuski, read the Client Worksheet Instructions and complete the Client Worksheets online. Once the Client Worksheets are complete, send the Client Worksheets to our office with all of your supporting documents.
FILING BANKRUPTCY
Helping People Find Debt Relief
Are creditors and bill collectors calling you all the time? Are you falling further behind on your home mortgage, credit card, or other payments? At the Law Offices of Edwin J. Rambuski, we help you determine if bankruptcy is the right solution by guiding you through a series of questions you should ask yourself to help understand the bankruptcy process.
There are options, and debtors do have rights.
We are a debt relief agency.
We help people file for bankruptcy relief under the Bankruptcy Code.
Commonly Asked Questions About Bankruptcy
Can I Keep My Home and Car?
Chapter 7 bankruptcy discharges unsecured debt like credit cards and medical bills, giving the debtor a fresh start. If you qualify for Chapter 7 bankruptcy you may still be able to keep your home and car.
Does It Matter What My Income Is for Filing Bankruptcy?
Debtors with primarily consumer debts may not qualify for a Chapter 7 bankruptcy if they earn more than the state median income. The income calculation is based on gross average income for the past six months and does not include Social Security.
A Chapter 13 bankruptcy is for people who have a steady income but are continually behind with their bill payments. Under this option, a person reorganizes debt into smaller monthly payments with the intention that he or she will pay back a percentage of the debt over time (usually a period of three to five years). If the plan is completed, any remaining unsecured debt is discharged.
What Does It Cost to File for Bankruptcy?
At the Law Offices of Edwin J. Rambuski, the cost is determined in your initial consultation.
How Long Will the Process Take?
From the time of filing to the receipt of a discharge in Chapter 7, the process generally takes about three to four months.
How Do I Begin?
The first step is setting up your initial consultation, Contact Us.
Next, read the Client Worksheet Instructions.
Complete the Client Worksheets online.
Once the Client Worksheets are complete, simply send your Client Worksheets to our office with all of your supporting documents.