Delano Bankruptcy

Delano Bankruptcy Attorney

Offerting Bankruptcy Relief & Support

At Schwartz Law, we provide compassionate and comprehensive bankruptcy assistance to the residents of Delano. Our team is dedicated to helping individuals and families navigate financial distress with dignity and clarity. With over two decades of experience in Southern California, our thorough understanding of Chapter 7 and Chapter 13 bankruptcy options ensures that you receive advice tailored to your unique situation. Our goal is simple: to guide you through legal complexities and towards a fresh financial start.

Bankruptcy is not merely a financial decision; it is a tool for relieving undue stress and pressure. Many Delano residents feel overwhelmed by the stigma or misconceptions surrounding bankruptcy. Our firm focuses on demystifying the process, emphasizing that bankruptcy can provide a structured way to manage debts and rebuild credit. We advocate for understanding how bankruptcy influences long-term financial stability, which empowers clients to make informed decisions that align with their future goals.

Contact our Delano bankruptcy lawyer by calling (661) 218-1118 today!

Why Choose Us?

Residents of Delano have numerous options when it comes to selecting a bankruptcy law firm. However, several factors differentiate Schwartz Law from others:

  • Proven Reputation: Neil E. Schwartz has led the firm to become one of the most referred bankruptcy attorneys in Southern California.
  • Personalized Attention: Clients benefit from direct guidance from Neil, ensuring every client feels valued and supported.
  • Clear Communication: We prioritize transparency, providing clients with the knowledge needed to make informed decisions.

Frequently Asked Questions

What Are the Benefits of Hiring a Bankruptcy Lawyer?

Hiring a bankruptcy lawyer provides numerous benefits beyond legal expertise. First, it ensures familiarity with local court procedures, which can expedite your proceedings and reduce potential stress. Secondly, a local lawyer offers a deep understanding of California’s specific bankruptcy laws, allowing clients to leverage state-specific advantages fully. Finally, a Delano lawyer brings personal insight into the local economic conditions, providing tailored solutions that resonate with clients’ everyday realities.

How Does Chapter 7 Differ from Chapter 13 Bankruptcy?

Chapter 7 bankruptcy, often called “liquidation bankruptcy,” is designed for individuals seeking to discharge unsecured debts like credit cards or personal loans. It involves selling non-exempt assets to pay off creditors. On the other hand, Chapter 13, known as “reorganization bankruptcy,” allows individuals to develop a repayment plan over three to five years. This plan helps retain assets while systematically addressing debt. Choosing between these options depends on individual circumstances, and a strategic session with Schwartz Law can illuminate the best path forward.

Will Bankruptcy Affect My Credit Score Permanently?

While bankruptcy does impact your credit score, the effect is not permanent. Most clients begin to see credit improvement within a year of filing. Moreover, bankruptcy can offer a fresh financial start, enabling you to rebuild responsibly. At Schwartz Law, we emphasize financial education post-bankruptcy, helping clients understand how to maintain a healthy credit profile and make informed financial decisions, thus reducing the long-term impact on their scores.

In addition, bankruptcy can act as a reset button, allowing you to reorganize financial priorities and instilling better budgeting practices. Many clients find that this fresh start presents an opportunity to demonstrate financial responsibility, such as timely payments on new credit lines, which aids in enhancing credit profiles. Comprehensive counseling sessions are also provided, supporting individual efforts to create practical, sustainable strategies that facilitate long-term credit recovery.

Contact us online or by calling (661) 218-1118 today!

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Our Services

Ready for a Fresh Financial Start?

Don’t let financial distress overwhelm you. Schwartz Law is here to offer compassionate and precise guidance through every step of the bankruptcy process. With Neil E. Schwartz at the helm, our firm is committed to helping the residents of Delano regain control of their financial futures. 

Schedule your consultation today to explore the solutions available to you. Let us help you pave the way to financial freedom. Contact us at (661) 218-1118 and take the first step towards a brighter financial journey.

  • Can I use credit while in Chapter 7 or 13?

    No, not until you receive a discharge. In Chapter 13 - Debt Consolidation you must get court permission to incur debt over $250, except in emergencies.

  • Can you stop auto repossession?

    Yes, immediately upon filing.

  • Can you stop wage garnishment?

    Yes. We make most creditors stop garnishing wages when your case is filed. This doesn't apply to current child support payments.

  • Can I get out of a contract?

    Both Chapter 7 - Bankruptcy and Chapter 13 - Debt Consolidation may cancel unwanted contracts if you discontinue the service and/or return the merchandise.

Why Choose Schwartz Law?

  • 6,382 Cases Filed
  • 375 Client Reviews
  • 17 Years in Business
  • 10,000+ Happy Clients

Contact Us Today

We’re Ready to Help

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Hear From Our Happy Clients

At Schwartz Law, your satisfaction is our priority! See for yourself what our clients have to say about working with us.

    "Thanks to him, my bankruptcy was a breeze and went smoothly."
    Neil is very professional, kind and prompt when addressing any concerns or questions about your bankruptcy. He is the best in town and is very knowledgeable! Thanks to him, my bankruptcy was a breeze and went smoothly.

    The staff at the front desk was also friendly and professional. Neil and his team were easily accessible via phone or email regarding any questions, etc. So, if you need an attorney for bankruptcy go to Neil, I wouldn't recommend anyone else!!!
    - Elizabeth
    "The price was reasonable, the bankruptcy was effective and efficient, and the tips to build my credit have all been invaluable."

    Thank you Neil Schwartz! My experience with the Law Office of Neil Schwartz was excellent. All of my comments and questions were addressed immediately through either email or phone. The free consultation was great since I did not know if bankruptcy was the right option for me. The price was reasonable, the bankruptcy was effective and efficient, and the tips to build my credit have all been invaluable. Bankruptcy has always had so much stigma linked to the word, but Neil helped me to understand, in my situation, it was necessary and I am finally rebuilding my credit and my life. Neil is always there for his clients and always returns your phone calls.

    - John
    "He is extremely knowledgeable in his field, patient and genuinely cares about his clients."

    Mr. Schwartz did an excellent job representing me in my recent bankruptcy. Neil and his entire staff provided exceptional service to me for the entire duration of my case from start to finish. During a very stressful time, Neil was always available to answer any questions I had via email, text or phone call. He is extremely knowledgeable in his field, patient and genuinely cares about his clients. I highly recommend Neil Schwartz to anyone in need of bankruptcy services.

    - Lisa
    "His response time was like no other."

    Our decision to hire Neil was easily made on our first visit. He was informative, organized & very compassionate to our unfortunate situation..His response time was like no other. We can't thank you enough for your knowledge & guidance from beginning to endl.Thank you! We will APSOLUTELY refer Neil Schwartz to anyone in need.

    - Wendy
    "He and his staff worked hard to keep me updated and comfortable during the process."

    Neil is the best. He is very informative and spends as much time as necessary to make sure you feel comfortable and understand the process. When I had questions I was always able to speak directly to Neil. He and his staff worked hard to keep me updated and comfortable during the process. Highly recommend.

    - Dray
    "He was spot on with everything. Great communication from him even on weekends!"

    Neil and his team were amazing! We called over 12 BK Attorneys in Bakersfield, CA and all said NO we would NOT qualify for BK and they did not want to take on our case. Neil said Yes! and he delivered! We received a discharge and he walked us through the steps to receive it. He was spot on with everything. Great communication from him even on weekends! Call him today!

    - Rosabell
    "They have truly made two legal matters I’ve had to deal with easier and less stressful."

    Neil and his staff are extremely helpful and professional. There always there to answer questions and keep me updated. They have truly made two legal matters I’ve had to deal with easier and less stressful. Thank you again!

    - Jaidynn
    "I never once felt alone nor confused"

    I would give him 10 stars if I could. The absolute best services hands down. I was scared at first when going to see him because filling for bankruptcy made me feel like a failure. Both Neil and Jennifer made me feel comfortable and explained everything in detail. I never once felt alone nor confused. I would recommend them over and over.

    - Kendra