Gail M. Ervin

Travis Ervin

Laura Ervin

Key A

ssociates:

EEI

Historic Env. Consultants

Home

Our Practice Areas:

Family Law

Consumer Bankruptcy

Mediation

Real Estate

General Civil Practice


Appellate Practice


Consumer Law


Contact Us

Tel 415.456.0678

email link

4460-16 Redwood Hwy #391
San Rafael, CA  94903

 

LegalMatch Verified Member

Consumer Bankruptcy

No one decides to file for bankruptcy lightly. However, filing for bankruptcy is an excellent option if you are overly burdened with debt, as well as to help prevent an impending foreclosure of real property.   

A Chapter 7 proceeding, also known as a "liquidation" proceeding, helps you discharge such debts as credit card debt, and to provide you with a fresh start to recover from financial pressures.

A Chapter 13 proceeding, also known as a "wage earners" proceeding, allows the Trustee of the bankruptcy court to use your disposable income to pay down debts over a 3 to 5-year period.  A Chapter 13 proceeding may help you keep real property that you may be in danger of losing through foreclosure, and requires a consistent flow of income for the plan period.

Since developing my practice, I have helped numerous consumers successfully resolve lawsuits concerning unfair debt collection practices, erroneous credit reporting issues, and issues with identity theft. Now, I am expanding my bankruptcy practice to represent debtors in Chapter 7 and Chapter 13 bankruptcy filings, in addition to representing debtors in adversarial proceedings in bankruptcy court. I bring to my practice extensive experience in real estate law, including short sales, and foreclosures.

To learn more about filing for a Chapter 7 or Chapter 13 bankruptcy petition, please consult me directly at 415.456.0678. 

We have also provided the following resources to help you.

Deciding Whether to File for Bankruptcy
http://www.nacba.org/Resources/ConsumerTips.aspx

FAQ’s – Frequently Asked Questions about Bankruptcy Filings
http://www.canb.uscourts.gov/faqs#GenFAQ

Free Credit Report
http://www.ftc.gov/bcp/menus/consumer/credit/rights.shtm

Court Approved Credit Counseling Agencies
http://www.justice.gov/ust/eo/bapcpa/ccde/de_approved.htm

Dealing with Debt Collectors
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

 

NACBA Logo

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

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

 

Gail M. Ervin

Travis Ervin

Laura Ervin

Key A

ssociates:

EEI

Historic Env. Consultants