About Us
The Law Offices of M. Tilden Moschetti provides affordable and quality bankruptcy representation. Even though we have filed many of successful consumer bankruptcy cases, we understand that each client presents a unique set of circumstances and special needs which require individualized attention. We are a Debt Relief Agency. We help people file for relief under the Bankruptcy Code.
Choosing bankruptcy relief
Consumers can file either a Chapter 7 (Discharge) or a Chapter 13 (Wage Earner) plan. Both will help to stop collection actions against you, including harassing phone calls and letters, foreclosures, garnishments, repossessions, and more. It will also stop almost all civil lawsuits against you. Which Chapter you will file will depend on your unique financial circumstances. The Law Offices of M. Tilden Moschetti can help you figure out what will work for you.
Bankruptcy will go into effect immediately upon the filing of the petition and the associated fee with the court. At that point, federal law orders an Automatic Stay on most, if not all, collection activity. The court will also mail out notices to all your creditors.
Chapters 7 and 13
Chapter 7 allows you to discharge (eliminate) most, if not all, of your unsecured debt (medical bills, credit card, unsecured loans, etc.) In almost all cases, you may keep your house, automobile and personal possessions. You are typically allowed to continue your house and car payments to the lender.
Chapter 13 (Wage Earner Plan) reorganizes your debt to allow an affordable payment plan to the Trustee. You are usually able to keep your property and personal possessions. This plan allows you to catch up on past due auto or home loan payments, stop foreclosure and repossessions, while it is also very helpful to help arrange the payoff of past due taxes, child support and student loans.
Bankruptcy alternatives
You have made your best efforts to repay your debt. Many of you have refinanced your home on one or more occasions. Many of you have cashed out your lifetime’s savings, or borrowed against your 401K, IRA or other retirement accounts. Many of you have sold much of your personal assets to stay afloat. Many of you are sacrificing precious time with your spouse and children to work overtime or second, even third jobs. Many of you have borrowed money from family and friends, some of whom may themselves be in financial distress without your knowledge. Many of you have looked into credit counseling, or may even be involved in such a program at this very moment. The fact remains that realistic alternatives are slim for most. The reality is such that if you, an honest debtor, have a realistic ability to become debt free in the foreseeable future, you would not be considering filing bankruptcy.
Contact us
If you'd like to set up a free consultation by phone or in person, please do not hesitate to contact us. Call us at (415) 399-0970 or simply complete this form and we'll contact you within one business day.