Law Office of Rick Morin
Sacramento Bankruptcy Attorney
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Don't Delay Any Longer
Call or Text (916) 333-2222 To Get Started Now
BANKRUPTCY IS AN IMPORTANT TOOL THAT CAN GET YOUR LIFE BACK ON TRACK
Bankruptcy allows individuals and business owners to get a fresh financial start. There is no need to hide from your creditors and bill collectors. Life happens, and Bankruptcy will protect you in times of need.
The quality of my legal services and my commitment to customer service will ensure that your bankruptcy will be completed successfully — and you will know what's going on at every step of the way.
My office takes great pride in taking on the toughest and most complex bankruptcy cases. Unlike many other bankruptcy firms, proudly take on bankruptcy litigation to ensure that bankruptcy filers obtain all of the benefits to which they are entitled under the bankruptcy code.
Don't delay. Bankruptcy can provide you with the fresh start that you need. As a Sacramento Bankruptcy Attorney, I will fight for you in court to get your debts discharged so that you can move on with your life.
"After seeing a few lawyers, I knew immediately Rick was the one! Such a great personality & to top it a very intelligent Lawyer. Rick handled my case in a timely manner & the outcome was great!!! If I can add more stars I would, great lawyer!"
-Elizandra M, Sacramento CA
"My first meeting with Rick to discuss my situation was extremely positive and Rick expressed a compassion and explanation of the Bankruptcy laws that immediately put my mind at ease. His professionalism and knowledge of the legal system was easy to understand. Rick is very personable, honest, and was always accessible for any questions or concerns I had during my Bankruptcy process. I also noted that Rick was well regarded by the Bankruptcy Trustee and his interaction with his fellow peers was met with mutual respect. I have no reservation in recommending Mr. Morin, to anyone, who needs expert legal guidance and representation."
-Timothy J, Sacramento CA
"Thank you very much for helping me out with my financial situation. What a wonderful settlement you ended up getting for me. I just wanted to take a moment and tell you how much the pressure has been taken off due to your phone call."
-Theresa L, Sacramento CA
MAJOR BENEFITS OF BANKRUPTCY
ELIMINATE MOST DEBTS
The number one reason to hire a Bankruptcy Lawyer is to eliminate debt. With Chapter 7 Bankruptcy, most of your debt can be eliminated ("discharged" in legal terms). Some types of debt are not dischargeable. I will explain these limitations during your consultation.
PAUSE LAWSUITS, FORECLOSURE AND MORE
A powerful feature of bankruptcy is the "automatic stay." The automatic stay is a court order that pauses other court actions against you such as lawsuits by your creditors. The automatic stay also stops wage garnishments and bank levies.
IMMEDIATELY STOP HARASSMENT FROM CREDITORS
Tired of creditors calling you at all hours? Is your mailbox always full of threatening letters from collections agencies? Bankruptcy not only eliminates debt, but the law also requires that your creditors stop contacting you immediately.
FOCUS ON LIFE'S NECESSITIES, NOT YOUR DEBTS
With your debt discharged and your creditors silenced, you can focus on rebuilding your credit and taking care of the things most important to you. Bankruptcy is a very powerful tool for those people who need to "reset" their financial situation and start fresh.
CHAPTER 7 BANKRUPTCY vs. CHAPTER 13 BANKRUPTCY
7Chapter 7 is what most people think of when they hear the word "bankruptcy." Chapter 7 provides you with a "fresh start." The goal of Chapter 7 is to eliminate debt — for this reason, it is the most popular bankruptcy in America.
13Chapter 13 is sometimes called a "reorganization." Chapter 13 bankruptcy will last anywhere between 3 and 5 years. During that time, you will be on a repayment plan and will be required to repay a percentage of your unsecured debt. You will also have to provide for your secured debt as well.
At the end of your Chapter 13 plan, any remaining unsecured debt will be extinguished. Chapter 13 bankruptcy can help you reorganize your finances on YOUR terms. It is a very popular option for repaying tax debts or saving a home from foreclosure.
MAKING BANKRUPTCY EASY
As your bankruptcy attortney, my goal is to make this process as easy as possible. The first step is to call to schedule a free consultation. During our meeting, I will make sure that bankruptcy is right for you.
The next step is to bring in documents that I need to begin preparing your bankruptcy paperwork. That's it! As a Bankruptcy Lawyer, I do all of the legal work for you.
Because Bankruptcy is one of the most important financial decisions in your life, you will always meet with an attorney — not a paralegal, secretary or assistant. My commitment is to always be accessible in person or over the phone whenever you have questions. Customer service is #1 in my office.
TOP 3 REASONS TO HIRE MY LAW FIRM
1. Best Customer Service in Sacramento
My staff and I are dedicated to making sure that you understand what is going on each step of your bankruptcy. Customer Service is our number one priority.
This means that phone calls, emails and text messages are returned as soon as possible. You will be constantly receiving status updates regarding the status of your case. Don’t get stuck with another law firm that won’t return your calls after you have paid your retainer. We are here for you each step of the way.
2. I Handle Your Case from Start to Finish
The other guys in town "promise" you that you receive individual attention. In my law practice, I make time to meet with each and every client. I will be the one preparing your paperwork, helping you sign your bankruptcy, and I will appear in court with you during your bankruptcy hearing.
When you walk into court with me, you will feel comfortable knowing that I personally handled all of the details of your case. And you will also see clients of other law firms meeting with their “attorney” for the first time minutes before they walk into the courtroom. Which would you prefer?
3. I Make Bankruptcy as Easy as Possible
All of my clients agree that the bankruptcy process was painless — especially clients that met with other attorneys before hiring my law firm. Has another lawyer handed you a 50 page questioner for you to fill out? The secret is that they are basically having you fill out the bankruptcy paperwork all on your own. If you’re doing all the work, what exactly are you paying them for? I do all the heavy lifitng for you. I make bankrutpcy as easy as possible.