Chapter 7 and Chapter 13 bankruptcy in Palm Desert

I now serve clients through the Coachella Valley with a more permanent structure law office in order to help people file for bankruptcy.

I was running a virtual practice out of San Francisco but would take clients all over California. The majority of my clients were coming from the inland empire and I was spending a lot of time at the court in Riverside for trustee hearings.

I have decided to open in a office in the Palm Springs and Palm Desert area so that I can help people who are struggling to pay their bills and having foreclosure problems more directly with easy access to the Riverside Court. My practice is one that allows me to work from afar and gather all your documents that are necessary to file a bankruptcy petition and with fax, internet, scanner technologies all of this can be done very easily, however I think that having a local office can better assist certain clients at times so I will be doing a direct local marketing campaign in Indio, Rancho Marage, Cathedral City, Palm Desert, Redlands, Desert Hot Springs, Blythe, and other desert cities in the Coachella Valley in order to assist one of the hardest hit areas in the country for bankruptcy filings, foreclosures, and high unemployment.

Riverside county has close to 15% unemployment and that doesn’t even count the underemployed and people who have given up on finding a job.

My office will be in Palm Springs starting on August 1, 2010 and I will be traveling there frequently between now and then.

If you are facing foreclosure, have high debt amounts or believe that debt settlement or bankruptcy might help you, please do not hesitate to call me during this transition and I will be able to meet you in person and discuss your options with you.

Chris Hewitt 415-265-2917

Frequently Asked Questions: Debt Consolidation in California
How does debt consolidation affect credit scores?

Initially, it might cause a slight dip due to credit inquiries. However, consistent payments can improve your credit score over time.

What is the difference between debt consolidation and debt settlement?

Debt consolidation involves taking a new loan to pay off debts, while debt settlement is negotiating to pay less than you owe. Settlement can negatively impact your credit score.

What are secured vs. unsecured debt consolidation loans?

Secured loans require collateral (like a house or car), usually with lower interest rates. Unsecured loans don't require collateral but typically have higher rates.

Is debt consolidation right for me?

It depends on your total debt, interest rates, credit score, and payment capability. It's suitable if you can pay off your debt within five years and secure a lower interest rate than your current debts.

Should I consider long-term financial planning?

Yes, debt consolidation should be part of a broader financial strategy including budgeting, cutting expenses, and building an emergency fund.

How do Chapter 7 and Chapter 13 bankruptcies in California differ?

Chapter 7 involves liquidating assets to pay off debts, while Chapter 13 allows debt restructuring over a set period, usually three to five years.

Can my spouse's bank account be garnished for my debt?

Bankruptcy laws offer protections against such actions, but specifics depend on individual cases and state laws.

How can I learn more about my options?

Consulting a California bankruptcy attorney can provide clarity. Firms like The Law Offices of Christopher Hewitt offer free consultations to explore debt relief paths.

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