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**If requested to begin case preparation, Attorney fees and filing fees must be paid before filing.
*Disclaimer* - The information in this web site is not intended to provide legal advice or to create an Attorney-client relationship; but is intended for general education and information purposes only. Laws change periodically, therefore the information in this site may not be accurate. It is imperative that you seek legal counsel in order to determine your rights and obligations under the law and based upon your specific circumstances.
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"Hands down the best attorney I've ever had the pleasure of working with. She's intelligent, passionate, and driven."
– Brandi S.
“I was referred by a friend to Warrior Bankruptcy Law. They were everything my friend promised and more.
I was able to keep my home, my car, and go on with my life."
– Vikki L.
We make sure that when you enter the Bankruptcy process, you are protected. We’ve been on both the Debtor and Creditor side, which gives us a 360 degree view of how the system works. This offers much greater protection for you than an Attorney who has only done Debtor Bankruptcy law.
With over 30 years of combined experience in Bankruptcy, we help rebuild your credit and your life. You are not just a “number” to our firm. We establish relationships with our clients which is both ethically and responsibly, the only way to properly serve you. No pressure, no sales pitch. We will provide you with the avenues that are available to you based on your specific circumstance. We offer step-by-step guidance, the way it should be.
Warrior Bankruptcy Law is a versatile Bankruptcy firm that can handle your Bankruptcy cases including:
"My case was complicated and the team at Warrior helped me navigate the Bankruptcy waters with kindness and skill. They answered all of my questions and helped me understand not only the process but the significance of what a “Fresh Start” means. I highly recommend them!"
– Joe Z.
Bankruptcy is one of the most difficult financial decisions to make. Loss of employment, illness, medical bills, divorce and all the unexpected expenses one faces are just a few of the reasons good people become overwhelmed by debt. Folks falling behind on their monthly expenses, for whatever reason, find themselves trapped in an endless cycle of stress in addition to the constant, and sometimes frightening, harassment from debt collectors. No need to live your life under those conditions. Bankruptcy is an option, under Federal Law, which can either eliminate or greatly reduce your debt load. The filing of a Bankruptcy Immediately stops ALL collection activities. Bankruptcy gives you time to catch your breath, reorganize, and we help you every step of the way.
We provide guidance for clients seeking to understand the available forms of bankruptcy:
A liquidation solution that eliminates most unsecured debts, such as credit cards and medical expenses. Prior to the 2005 Bankruptcy reform, this was the most desired form of Bankruptcy as it allowed individuals to completely eliminate much of their debt. Since reform, there are qualifications an applicant must pass before being allowed to file for Chapter 7. It is very important to work with an experienced lawyer that may be able to help you organize a successful application for Chapter 7. In most cases we work to help clients get qualified for Chapter 7 Bankruptcy. There are a wide range of exemptions and strategies that a knowledgeable attorney can employ to help people protect homes, cars and important property.
Chapter 11 is a form of bankruptcy that involves a reorganization of a debtor’s business affairs, debts, and assets, and for that reason is known as a "reorganization" bankruptcy.
Named after the U.S. bankruptcy code 11, corporations generally file Chapter 11 if they require time to restructure their debts.
This version of bankruptcy gives the debtor a fresh start and in many cases, allows the debtor to continue operating. However, the terms are subject to the debtor’s fulfillment of its obligations to their creditors under the plan of reorganization.
3-5 year Bankruptcy plan. Chapter 13 restructures your debt and requires that you pay a portion of that debt over the life of the Bankruptcy, which allows you to sometimes retain a larger portion of your property. While Chapter 13 Bankruptcy also has certain qualifications, they are generally less restrictive than Chapter 7, primarily because the debtor will be required to pay, often at a reduced amount, against some existing debts rather than having the advantage of debt elimination.
The Small Business Reorganization Act of 2019 (the “SBRA”) is aimed at giving small business debtors a simpler and less costly avenue to successful reorganization. The SBRA created “Subchapter V” of the Bankruptcy Code to distinguish small business Bankruptcies from typical larger Chapter 11 cases. It is available to “small business debtors,” originally defined as individuals or business entities where total noncontingent, liquidated debts are no more than $2,725,625 and at least 50% comprised of debts that arose from business activity. The CARES Act has temporarily increased the debt limit to $7.5 million.
Mortgage modification is a process where the terms of a mortgage are modified outside the original terms of the contract agreed to by the lender and borrower. In general, any loan can be modified, and the process is referred to as loan modification or debt rescheduling.
In the normal mortgage, payments are made according to the loan documents until the mortgage is paid in full (or paid off). The lender holds a lien on the property and if the borrower sells the property before the mortgage is paid-off, the unpaid balance of the mortgage is paid to the lender to release the lien.
Any change to the mortgage terms is a modification. Changes may include any of the following: a reduction of interest rate, an extension of the payment term, (ex. extending a 30-year term to a 40-year term), or a reduction of the principal balance of the loan.
Following the 2007 real estate recession, the government mandated program, Making Home Affordable (MHA), and its loan modification aspect, Home Affordable Modification Program (HAMP) became the answer for both the struggling borrower and the lender. The lender is motivated to offer modification under this Program because a loan in default will become current and the loan will be more valuable than the monies obtained from a foreclosure sale. The borrower, on the other hand, receives a fixed interest rate, a lower loan payment, often a longer term to pay the mortgage back (40 years vs. 30 years), and sometimes a principal reduction (if the property is upside down).
Should you have other legal matters not related to Bankruptcy (criminal, estate, disability etc.), please feel free to inquire how we may help you with those additional matters.
Jessica Salem, Esq.
Jessica is our head Attorney and a former Chapter 13 Trustees' Attorney and County Prosecutor. Jessica has a Bachelor’s Degree in Political Theory from UCLA and a MBA from University of Phoenix. She graduated from Law School at ASU’s Sandra Day O’Connor School of Law.
"I had seen other Attorneys trying to find one I was comfortable with and signing with Warrior was the best move I made. My questions were answered and they took the time to walk me through the Bankruptcy process with no surprises and no hidden fees. Greatly appreciate Warriors efforts!"
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