California Bankruptcy | Ca Bankruptcy | Chapter 7

If you are thinking about filing bankruptcy or you have to file bankruptcy you probably are wondering how much it cost to file bankruptcy. So how much does filing bankruptcy cost? There are two different types of fees associated with filing bankruptcy, bankruptcy filing fees paid directly to the bankruptcy court, and attorney fees, should you decide to hire a bankruptcy attorney. Depending on what type of bankruptcy you have to file, filing fees are as follows. Filing a chapter 7 bankruptcy will cost $299.00 to the court, and if you hire a bankruptcy attorney most bankruptcy attorneys in California will charge between $1500 – $3500 depending on the complexity of the bankruptcy filing. If you have to file chapter 13 bankruptcy the fee is $274.00 to the court and bankruptcy attorney fees will typically run around $4,000 depending on the bankruptcy attorney. As for a chapter 11 bankruptcy, the court’s filing fee is $1,039 and for farmer’s filing a chapter 12 bankruptcy the court fee is $239.00. As for attorney fees for filing a chapter 11 business bankruptcy fees can vary significantly from case to case. Contact your local bankruptcy to review your chapter 11 bankruptcy case to determine the attorney’s fees for filing a chapter 11 bankruptcy.

While we see plenty of clients at the end of their financial rope and looking to cut cost where ever they can the court’s filing fees are the same throughout the U.S. Courts. Attorney fees for filing bankruptcy will vary from attorney to attorney, state to state, and county to county. For example: In Riverside County, Ca. bankruptcy attorneys typically charge about $2,000 for filing chapter 7 bankruptcy while Orange County, Ca. Bankruptcy Attorneys charge around $2,500 for a basic chapter 7 filing. While these fees might sound expensive to someone filing bankruptcy, they are very reasonable for the work and the bankruptcy attorneys liability. Chapter 13 bankruptcy fees are regulated by the county and bankruptcy attorney fees are pretty much the same from attorney to attorney. Most bankruptcy attorneys will offer you a free consultation and discuss their fees for filing your bankruptcy petition after they have met with you and determined the complexity of your case. As bankruptcy attorneys we may be bias when advising consumers to hire a bankruptcy attorney rather than trying to save money with a petition preparer or going it alone. The truth is, we have heard the horror stories from improperly filed petitions from “do it yourselfers” and paralegals giving filers the wrong advise. Yes; we’re bankruptcy attorneys, so we believe in hiring a bankruptcy attorney to see your bankruptcy is filed properly so your assets are well protected while your unsecured debt get’s properly discharged. If you are having a difficult time making ends meet and need to file bankruptcy, the bankruptcy attorneys at the Law Offices of Zhou & Chini understand your dilemma. Should I hire a bankruptcy attorney or try it by myself? The truth is, you can cut your own hair and mow your own lawn, but if you need to file bankruptcy you might want to consider hiring a bankruptcy attorney. A bankruptcy attorney will see your bankruptcy petition is filed properly and you have attorney representation at your 341 creditors meeting. Call the Law Offices of Zhou & Chini for a free bankruptcy consultation today, we will be happy to discuss or fees for filing bankruptcy as well as set up a convenient payment plan to help you get back on track.www.bankruptcyattorneyincalifornia.com

Over one third of “Making Home Affordable” applicants have fallen out of the Governments HAMP program and another wave is coming soon. Homeowners that exited the program will probably end up in foreclosure and homeless if they don’t seek help from an attorney. Moreover, there are 4 million delinquent borrowers not even eligible for the program. The truth is, these people need to consult an attorney early in the process and know what options are available to save their home from foreclosure.

The Obama administration’s flagship effort to help people in danger of losing their homes is falling way short of expectations. The message out there is to work directly with your lender to modify your home loan and to not use a third party or attorney to help you. From what we have seen as bankruptcy attorneys nothing could be further from the truth. The lenders are overwhelmed, and TRIAL MODS apparently are nothing more than a ploy to get more money out of borrowers before they are foreclosed on.

“We have seen many of our clients make all their trial mod payments on time and do everything their lender has asked, only to end up with a denied loan modification and a foreclosure sale date” says James D. Zhou, California Bankruptcy Attorney at the Law Offices of Zhou & Chini. The unfortunate thing is, these borrowers are in a worse situation after trusting their lender to work with them to avoid foreclosure then they were in the first place. Not to mention lenders telling their debtor’s they need to be 60 days late to qualify, ruining their credit and jeopardizing the loss of their home to foreclosure. Now many of these people can’t even afford a chapter 13 plan to save their home and are forced to short sale or be foreclosed on.

The numbers are staggering as more than a third of the 1.24 million borrowers who have enrolled in the $75 billion “HAMP” mortgage modification program have dropped out. That’s more than the 27 percent who have managed to have their loan payments reduced to help them keep their homes. Keeping in mind these numbers don’t reflect lender’s in-house loan mod programs. Some borrowers have attempted a loan modification with their lender for almost 2 years. Funny, considering it only took them 2 weeks in some cases to get a “stated income” loan! I mean seriously, why it should take so long to review and approve or decline a loan modification amazes me.

This past month alone, 150,000 borrowers exited the program — bringing the total to almost 500,000 who have fallen out since it began in March 2009. A major reason so many have fallen out of the program is the Obama administration initially pressured banks to sign up borrowers without insisting first on proof of their income. When banks later moved to collect the information, many troubled homeowners were disqualified or dropped out. Additionally, lenders would decline loan mods without explanation and put these borrowers in foreclosure without warning. We’re not even talking about the thousands of homeowners were sold toxic mortgages without understanding the ramifications of a recast and being told they could just refinance in a year or two. If caught early enough, filing a chapter 13 bankruptcy can bring your mortgage current and eliminate much of your unsecured debt. The Law Offices of Zhou & Chini offers free consultations to help people avoid foreclosure or walk away without any personal liability. Call us today and we’ll be happy to explain all your options.http://www.bankruptcyattorneyincalifornia.com

As a California Bankruptcy Attorney I see a wide variety of cases come to our law firm. Believe me; today we are seeing people from all walks of life needing to file bankruptcy. Some simply need to eliminate credit card debt and medical bills while other bankruptcy cases are far more complex, involving assets, home equity, businesses and family members. With filing a simple chapter 7 bankruptcy we can eliminate most of our client’s financial problems, or save a home from foreclosure with a chapter 13 bankruptcy plan. But we recently had a client with a very complex case ($180,000 of credit card debt and over $600,000 of home equity) walk in our office with a summons from a credit card company suing her and her husband for $50,000. Interesting enough, they were current on one home, owned another free and clear, and qualified for a chapter 7 with their income. The only problem was we would not be able to protect the home equity by filing bankruptcy chapter 7 and the bankruptcy trustee would fire sale the home to pay off the creditors. By filing a chapter 11 more of the home equity could be protected and controlled by the bankruptcy attorney. But ideally, selling the home at a good price and paying some of the debt with cash settlements offers would make the most sense, if you can stave off the creditors with creditor defense. The summons needed to be answered so there was not a $50,000 judgment, and our client needed to by some time to sell one of the properties. The fee for something like this was more than filing bankruptcy chapter 7 but less than filing chapter 11, the benefit was significant. We would be able to answer the summons, contact the creditor and buy some time to negotiate a debt settlement and help our client to avoid filing bankruptcy and liquidating their property.

Most bankruptcy attorneys probably would not take a case like this being the creditor might not be willing to settle and try and force our clients to file bankruptcy anyway. The need for aggressive representation with creditor defense and debt settlement can work with a bankruptcy attorney who’s willing to go the extra mile for their clients. The threat of filing bankruptcy can be used as a sword with creditors to negotiate a debt settlement offer. Additionally, once cease and desist orders are sent out the credit card companies must stop harassing collection efforts immediately, restoring peace and a sense of normalcy to one’s life. As a bankruptcy attorney I believe it’s critical for a person considering bankruptcy to consult more than one bankruptcy attorney if they have a complicated case. At our law office we stress the importance of treating our clients like family, and their assets like our own. Debt Settlement and creditor defense can help people save their assets when filing bankruptcy or avoid bankruptcy altogether. If you have a difficult financial situation and need to consider filing bankruptcy, know your options. The bankruptcy attorneys at the Law Offices of Zhou & Chini offer aggressive representation and will work closely with you to explore all your options. If you need to file bankruptcy or want to try and avoid bankruptcy consult a bankruptcy attorney who offers both. Please visit our site http://www.bankruptcyattorneyincalifornia.com

Consumers want to know if they are better off hiring a bankruptcy attorney to file bankruptcy 7 or getting into debt settlement. Of coarse bankruptcy attorneys are going to favor bankruptcy 7 unless they offer debt settlement as well. The bankruptcy attorneys at the Zhou & Chini provide debt settlement to clients who may not be a good candidate for bankruptcy 7. Let’s say you meet with a bankruptcy lawyer and it’s determined that you do not qualify under the “means test” and you are on a 100% repayment plan. If the bankruptcy lawyer offers debt settlement in addition to bankruptcy 7 and 13 then he can work with you in developing the best coarse of action rather than forcing you into a 100% repayment plan. Debt settlement will typically allow you to repay at 35% to 50% of your debts while bankruptcy 7 will allow them to be completely eliminated, if you qualify. If your bankruptcy lawyer does not offer debt settlement and you do not qualify for bankruptcy 7, the chances of him referring to you to bankruptcy attorneys who do offer debt settlement are slim to none. The bankruptcy attorneys who do more than just file bankruptcy 7 or slap you into a debt settlement program are the way to go if you are struggling financially. Finding the right bankruptcy attorney is easier than you think if you ask the right questions and do your research.

When searching for a bankruptcy lawyer ask them if they also offer debt settlement if you don’t qualify for bankruptcy 7. If they do then make certain their fees are not more than 15% of the debt you are trying to eliminate. Also consider if your bankruptcy attorneys tell you you qualify for a bankruptcy 7 the fees should be between $1500.00 and $4000.00, depending on how complicated your case is. Most bankruptcy attorneys who focus only on bankruptcy 7 don’t like to do chapter 13 bankruptcy or offer debt settlement, so locate a bankruptcy attorney who offers chapter 13 as well. If your bankruptcy attorney offers a free consultation then make sure to ask the right questions about bankruptcy 7 versus debt settlement. The bankruptcy attorneys at the Law Offices of Zhou & Chini offer FREE consultations and handle bankruptcy 7, chapter 13 and debt settlement. When you call our law office you will consult directly with a bankruptcy attorney and can be assured we do not only file bankruptcy 7, we also can help with debt settlement or a chapter 13 repayment plan. Zhou & Chini bankruptcy attorneys meet personally with clients and have over 10 California locations to serve you. Call us today to see if you can qualify for bankruptcy 7 or if debt settlement is a better option. Our bankruptcy attorneys will be happy to explain all your options.

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

Bankruptcy attorneys are using technology to enable increased direct communication with their clients

With recent reports showing that Los Angeles County bankruptcy filings for March 2010 were up 75% over the same month last year, there is a risk is that bankruptcy attorneys may not be able to keep up with the rapidly increasing work load. As Chapter 7, Chapter 11, and Chapter 13 bankruptcy filings continue their anticipated increases over the next several months managing the case and document load for bankruptcies is likely to become an even more daunting task.

To offer the highest level of service possible to its clients The Law Offices of Zhou & Chini has announced the purchase of a state of the art software system which effectively monitors and manages each bankruptcy process and the associated document flow for each filing. The bankruptcy software system, which was designed and upgraded specifically for Zhao and Chini’s bankruptcy attorneys and their clients, has multiple features designed to maximize efficiency and speed the process of each bankruptcy filing. These features include:

A propensity engine which quickly determines whether a client qualifies for a Chapter 7 or Chapter 13 filing. This determination is accomplished with a simple intake questionnaire which immediately calculates the appropriate bankruptcy filing as well as whether an emergency bankruptcy should be filed in order to stop an impending foreclosure, wage garnishment or repossession.
As a client’s bankruptcy proceeding begins, the management system automatically updates the progress of the filing and tracks document flow. These actions allow for real-time viewing of the bankruptcy filing’s progression, elimination of redundancies, and streamline the associated administrative work.
The management system allows for the interface of information from different documents to allow for maximum efficiency during the process of the bankruptcy filing.

The greatest benefit of the new management system at The Law Office of Zhou and Chini is that its simplicity and efficiency allows the bankruptcy attorneys at the firm to take a hands on approach with their bankruptcy clients instead of dealing with paperwork headaches. “We are admittedly control freaks and want personally file every case” says bankruptcy lawyer Ron Chini, partner at Zhou & Chini. “This software allows us the time to have in-depth conversation with each client and review each file personally”. The system also allows for the filing of a bankruptcy in less than half the time of other bankruptcy attorneys.

With Los Angeles County bankruptcy filings up by 75% in March, the likelihood that an individual’s bankruptcy filing could be handled by a paralegal or other non-attorney at a busy firm is quite high. In fact, it’s often the case that clients never have direct contact with their attorney. The new software management system at The Law Offices of Zhao and Chini allows for their attorneys to speak to each client throughout the bankruptcy process. As opposed to how others may feel, the bankruptcy attorneys at Zhou and Chini know that to get the best outcome for each client they represent, regular attorney-client communication is an absolute necessity. For a FREE consultation with an experienced bankruptcy attorney call the Law Offices of Zhou & Chini today at 888.901.3440 or visit them on line at www.BankruptcyAttorneyinCalifornia.com.

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

What if I’m denied a loan modification after a Trial Mod?

Homeowners are getting denied permanent loan after you change the mod all payments on time for various reasons. It is due to the prohibition of NPV (Net Present Value), lack of income and too much revenue, loss of jobs, as well as many other reasons outlined by lenders. Consumers are left out in the cold to get to know their options after the rejection of a loan modification. We see allot of people doing everything they can to avoid foreclosure and do exactly what the lenders ask of them still ending up with a trustee sale date hanging over their head at the 11^th hour. Typically, these houses you think your home free of a permanent change when they are in the process mod-time payment. Nothing could be further from the truth! California, we see lenders to deny permanent loan modifications for many different reasons. So what do you do when you are denied a loan modification process after the mod? File Chapter 13 bankruptcy, if you want to save your home or Chapter 7 bankruptcy, if you want to walk without any personal liability and eliminate your unsecured debts. Also, if you have a second or third mortgage is underwater, Chapter 13 bankruptcy you cannot remove the strip and the constraint. Bankruptcy attorney may fill out a motion to avoid the lien which provides a real reduction of the principal Chapter 13 bankruptcy. Most consumers, by displaying payments mod think they end up in the same mortgage payment after the trial run, only to find the modified loan mod once again. Pending their financiers, the decision is a false sense of security that allows you to continue housing spending habits. Unfortunately, we see this common error or omission, the majority of customers. There are some important things consumers should consider when applying for a loan modification and making payments to the creditor test model.

Top 5 things to consider during a Trial Loan Modification

1) Just because you have a lower mortgage payment during your trial mod period doesn’t mean you should continue with the same spending habits. Cut your spending if possible!

2) Your lender will probably pull a credit report and see what you are purchasing on credit and what bills you are current or delinquent on. Do NOT make any new credit purchases!

3) During your trial modification your lender may ask for updated pay stubs if you are a W2 employee, or P & L if you are self employed. Make sure you send them and confirm that they have been received!

4) If your income changes from the income originally submitted on your loan modification application your lender could deny you for too much or too little income. Consider this before taking a cut in pay or a raise.

5) Plan for the best and prepare for the worst. Save your money!

We have seen lenders change direction mid-stream, and make critical errors in the process of loan modification. It is safe to assume your mortgage lender or service provider has your best interests in the fund to try to collect a debt or give you a loan modification trial. It’s a good idea to consult a bankruptcy attorney has a thorough knowledge of laws and timeframes in your state foreclosure while you are on probation mod. It is important to know your options if your lender will approve or deny a permanent loan modification. In many cases there are huge benefits for the declaration of bankruptcy, if you are denied a loan modification permanent. A bankruptcy attorney can help you navigate the foreclosure and bankruptcy laws and help save the house from foreclosure or to limit their personal liability if you decide to leave the house goes. A bankruptcy attorney may also help you eliminate debt and better qualify for a permanent modification should your lender decline you after the trial mod for a high debt to income ratio.www.bankruptcyattorneyincalifornia.com

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

Chapter 7 bankruptcies are becoming a popular option these days for many consumers who just can’t keep up with mounting debt due to job loss, under employment, divorce, credit card debt or high medical bills. Many who file for bankruptcy are simply living beyond their means and need debt relief; others are just caught up in a bad financial situation. The truth is; under employment is a common reason for bankruptcy filing these days being most consumers just aren’t making what they use to.

Let’s say you do qualify for Chapter 7 bankruptcy. You’re probably concerned you’ll lose everything you’ve worked so hard for. Nothing could be further from the truth. The good news is bankruptcy exemptions will protect more of your assets than you would think. There are two lists of possible exemptions: one state, one federal. Most states allow debtor’s to keep their cars and homes, along with a certain amount of equity. A bankruptcy attorney can help you in determining what property is exempt in your state.

Homestead Exemption

The “homestead exemption,” is the first and most popular exemption as it applies to your residence. The limitations on value of the homestead vary from state to state. For instance, in California real or personal property you occupy including a mobile home, boat, stock cooperative, community apartment, planned development or condo to $75,000.00 if single and not disabled; $100,000.00 for families if no other member has a homestead; $150,000 if age 65 or older, or physically or mentally disabled; $100,000 if 55 or older, single and earn under $15,000 or married and earn under $20,000 and creditors seek to force the sale of your home; sale proceeds exempt for 6 months after received (husband and wife may not double the amount and may file a homestead declaration there is no limit on the value of the homestead. In contrast, the maximum value that can be claimed in Alabama is $5,000.

You might be required to continue making your mortgage payments to keep your home and some states may require special proceedings for spouses who own a property together.

Vehicle Exemption

Vehicle exemptions are the second most common exemption and typically around $3,000. Most people will not lose their car, provided its value in equity is below the state exemptions requirement. In California the vehicle exemption is $2,775, a California bankruptcy attorney can help calculate the equity of your vehicle or you can check the Kelly Blue Book value. If the vehicle is worth less than the exemption vehicle, you will probably be permitted to exempt your vehicle from the bankruptcy proceedings. If the vehicle is worth more than the exemption value, it is possible to pay the bankruptcy trustee the difference and keep the vehicle.

Just like homestead exemption, if you decide to keep your vehicle you are required to continue paying your lease or loan payments.

Other State Exemptions

Other exempted property includes household property and appliances, clothing, jewelry up to a certain value, alimony and child support, public benefits, Life insurance, retirement plans, and tools that are necessary for the debtor’s work. For example, a mechanic will not lose his tools in bankruptcy proceedings, even if they are very expensive. Non exempt property may include stamp, gun, coin, car collections; cash; bank accounts; stocks & bonds, other investments; a second vehicle; or a second or vacation home. It is possible to keep a second vehicle, however, if it qualifies under another exemption category. In other words, a landscaper may be able to keep his truck under “tool of trade”.

When filing for bankruptcy, the debtor will file a schedule, of all exempted property, including its description, market value, and exemption value. This schedule will allow parties in your proceedings to review your exemptions and object if they want to. However, even if a creditor believes an exemption to be improperly claimed they can’t simply demand you hand over assets, they still have the burden of proof. For this reason it is recommended to use a bankruptcy attorney if you have several assets. Despite all the bankruptcy myths, most filers are able to eliminate their debt and keep most if not all of their assets.

Bankruptcy can be the first step to rebuilding your credit due to the fact that once you file bankruptcy the negative reporting on your credit report stops. With a diligent effort in rebuilding your credit most filers can qualify for a new home loan 2 years after their bankruptcy is discharged. If you would like more information on bankruptcy exemptions or to see if you qualify for debt relief under Chapter 7 bankruptcy contact a local bankruptcy lawyer or visit www.bankruptcyattorneysincalifornia. This bankruptcy information has been provided by the California bankruptcy attorneys at the Law Offices of Zhou & Chini.

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

According to a recent “Orange County Sheriff’s Department Press Release” the Orange County Sheriff’s Department (OCSD) conducted numerous DUI roving patrols during this past weekend in the following cities: Costa Mesa, San Juan Capistrano, Dana Point and San Clemente. The same South Orange County cities were targeted a little over a year ago and reaped quite a few (DUI) driving under the influence and (DWI) driving while intoxicated arrest.

According to the Press Release, these Multi-City DUI Teams will targeted areas within the cities of Dana Point, San Juan Capistrano and San Clemente that have had a high incidence of DUI related arrests and collisions. Funding for the program is provided by a grant from the California Office of Traffic Safety, through the National Highway Traffic Administration (NHTSA).

Drunk driving arrest are steadily increasing in South Orange County and the penalties if you are convicted can be severe. The need for good DUI Lawyers who know how to navigate through the Orange County Court system and understand California DUI laws is critical. If you or anyone you know was recently stopped in a DUI Checkpoint or a DUI roving patrol, and was arrested and charged with driving under the influence of drugs or alcohol call the DUI Lawyers at the Law Offices of Zhou & Chini at: 800-972-9600 The call could mean the difference between your being convicted of a DUI or being acquitted.

What happens if was arrested for Driving under the Influence (DUI):

For information on California DUI or DWI laws and aggressive representations please contact the South Orange County DUI Lawyers office at: 800-972-9600 Our first consultation is always FREE.

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

Orange County Bankruptcy Lawyer announces revolutionary bankruptcy CRM

The Law Offices of Zhou & Chini, Orange County bankruptcy attorneys announce the acquisition of a unique bankruptcy contact management system (CRM) that allows them to efficiently handle the increased volume of bankruptcy filings. The bankruptcy software has a unique client management system and a propensity engine that quickly determines if the client qualifies for chapter 7 or must file chapter 13, while allowing the bankruptcy lawyers to meet personally with every client. The highly effective Online IMS software solution was customized specifically for the bankruptcy lawyers at Zhou & Chini to handle chapter 7, chapter 13 and chapter 11 bankruptcy filings. Once in the bankruptcy process, the system’s real time progress and document tracking eliminates redundancies and other administrative headaches so that we can spend more time with our clients, says partner James Zhou. Zhou has been practicing bankruptcy and criminal law/DUI defense for over 10 years and focuses now mainly on chapter 7, chapter 13 and business bankruptcy chapter 11 filings. With a simple intake we can tell immediately whether the client would qualify for chapter 7, chapter 13 or chapter 11 and file an emergency bankruptcy if required to stop a foreclosure, wage garnishment or repossession. The CRM interfaces the means test, bankruptcy questionnaire, property values, credit report, lead management and client contact management. Additionally, the OnlineIMS system includes administrative and accounting functions all in one encrypted web base system. It’s by far the most revolutionary software a bankruptcy lawyer could employ.

Bankruptcy chapter 7 filings are up over 50% in Orange County and bankruptcy attorneys are heading up bankruptcy mills where the bankruptcy attorney never even meets nor speaks to their client. Some bankruptcy lawyers might feel comfortable never reviewing a chapter 7 file or having a paralegal do all the work but not at Zhou & Chini. “We are admittedly control freaks and want personally file every case” says bankruptcy lawyer Ron Chini, partner at Zhou & Chini. The web based OnlineIMS system allows the bankruptcy attorneys at Zhou & Chini to speak to every client, review every file and personally file the bankruptcy in less than half the time of other bankruptcy law firms. Rather than having non attorneys do the bankruptcy consultation or bankruptcy filings the bankruptcy lawyer utilizing the IMS system can do everything much more efficiently than other bankruptcy lawyers and keep their fees low while remaining effective.

OnlineIMS is a revolutionary web-based software solution customized specifically for the Bankruptcy industry. Created as a full spectrum solution for small to enterprise sized organizations, OnlineIMS integrates the processing of bankruptcies with sales and customer relationship management so that everything your bankruptcy lawyer and staff needs to file bankruptcy efficiently is in one place. OnlineIMS provides immediate access across your workplace to important account data, customer contacts, and benchmarks in the processing of Bankruptcy. Customized access controls based on who can see specific cases, relevant documents, and other information in the system. A bankruptcy attorney should meet with their clients and do the bankruptcy filing as well. The OnlineIMS system allows the bankruptcy attorney to do just that. Recently, creditors are vicious in their collection efforts and Orange County consumers are suffering with loss of income and property values as well. At the law offices of Zhou & Chini our bankruptcy lawyers have the experience necessary to stop wage garnishments, repossessions, liens, eliminate 2^nd mortgages and help you navigate through financial problems. Does filing bankruptcy make sense? For a FREE consultation with an experienced bankruptcy attorney call the Law Offices of Zhou & Chini today at 888.901.3440 or visit us on line at www.BankruptcyAttorneyinCalifornia.com

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

Bankruptcy filings increased for the month and quarter throughout the U.S. Bankruptcy Court’s Central District, covering seven Southern California counties from San Luis Obispo to the Arizona border. In March alone, 1,708 Orange County consumers and businesses filed for bankruptcy protection, an increase of 47.7% from a year earlier and 30% higher than in February. Los Angeles bankruptcy filings totaled 5,190, up 75% and Riverside/San Bernardino counties recorded 4,078 in March 2010, an increase of over 55%. If you think those numbers are alarming, just this past week there were 1,000 bankruptcy filings in Riverside in just one day! Unfortunately, attorneys operating bankruptcy mills are coming out of the woodwork like they did with loan modifications trying to become a bankruptcy attorney overnight and failing miserably. Not only is bankruptcy filing on the increase but so is the number of dismissals due to mistakes when filing for bankruptcy. A bankruptcy lawyer has a fiduciary duty to meet his clients.

Lawyers who specialize in bankruptcies should continue to stay busy, and the need for a highly qualified bankruptcy attorney is growing, says bankruptcy lawyer James D. Zhou. Zhou is partner at the bankruptcy law firm Zhou & Chini, who focuses on chapter 7, chapter, 13 and chapter 11 business bankruptcies in Orange, Riverside, San Bernardino, San Diego and Los Angeles counties over the past 10 years. “We have seen the need for a qualified bankruptcy attorneys grow as bankruptcy is more complicated since the change of the bankruptcy laws in 2005” says Zhou.

“I think we will continue to see an increase in filings with the rate of foreclosures in Southern California,” he said. “Bankruptcy is a trailing indicator, so the need for a bankruptcy attorney will continue to grow even when the economy rebounds. The bankruptcy attorneys at Zhou & Chini are able to increase their volume of bankruptcy filing and still meet with every client personally. We file every bankruptcy petition ourselves thanks to the purchase of the revolutionary IMS Bankruptcy software technology, say’s partner at the bankruptcy law firm Ron Chini. A bankruptcy attorney needs to remain focused, efficient and profitable in helping consumers decide if a chapter 7 or chapter 13 is right for them. At Zhou & Chini the bankruptcy lawyers strive to deliver a low cost to file bankruptcy while still having the lawyers, not the paralegals do the bankruptcy filing and client consultations. Filing bankruptcy chapter 7 or chapter 13 is generally the last option for most consumers trying to avoid foreclosure, judgments, wage garnishments or liens. However, the advantages of filing bankruptcy with a good bankruptcy lawyer and eliminating unsecured credit card debt, medical bills, and 2^nd mortgage liens is significant when someone is working towards a fresh start. Making mistakes when it comes to filing bankruptcy chapter 7 or chapter 13 can be very costly so carefully select a bankruptcy attorney. To get bankruptcy help or locate a bankruptcy attorney in California visit www.BankruptcyAttorneyinCalifornia.com.

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.

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