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Stop Harassing Creditor Calls
Credit card debt
SOCIAL DISTANCING DURING COVID-19
We are fully operational through our remote, online capabilities. This technology allows us to maintain our regular business hours and to provide ongoing attention to client cases with little or no disruption, including new client inquires.
At the Law Office of Terrence Fantauzzi we help people take advantage of their rights under the bankruptcy code to restart, rebuild and recover financially. We exclusively handle California consumer bankruptcy cases and federal student loans to be effective and reliable advocates for our clients.
We’ve filed hundreds of Chapter 7 and Chapter 13 petitions over the last 10+ years. Bankruptcy is the only option that can silence harassing creditors, stop foreclosure and permanently eliminate your debt. Contact us today to find out if bankruptcy is right for you.
Chapter 13 Bankruptcy
If you’re being sued by a debt collector or heading for foreclosure, contact us. We have the expertise and experience to stop legal actions and help you get back on track financially.
Chapter 7 Bankruptcy
A legal option that can help you clear some or all of your unsecured debt in 3 to 6 months. We can help you determine if bankruptcy in California makes sense for you.
Student Loan Debt
Don’t suffer with payments that are too high. Federal student loans have several repayment plans that might help you stay out of bankruptcy and still pay off your loans. We can help you choose the right plan for your circumstances.
CONTACT US TODAY
We can help you solve debt-related issues and stop creditor harassment, in Ventura, Los Angeles, Riverside and San Bernardino Counties.
We enforce social distancing and offer virtual consultations during our regular business hours.
OFFICE HOURS BY APPOINTMENT ONLY
HERE'S WHAT OUR CLIENTS SAY
My bankruptcy was resolved in a timely manner and I had no issues or hassle. The entire staff was extremely helpful and answered my text messages and emails right away.... read more
Time for an update!
Due to ongoing health issues and personal matters, I was unable to follow through with my initial bankruptcy case (with a different lawyer) and it was subsequently... read more
I contacted Terrence Fantauzzi and was impressed with his free consultation/advice appointment and his knowledge of what would be best in my situation. I retained him on-site and he, along... read more
This law firm made my chapter 7 such an easy process. Sarah, Alicia and Attorney Fantauzzi were all great. I recommend two family members to them while going through the... read more
Terrance went above and beyond to help us with our BK, he and his assistant made the process pain free....it has been a year later and I had a question... read more
Terrence Fantauzzi handled our BK case for us. He was very friendly and knowledgeable. Alicia and Sara were great too. All three made the whole process pretty seamless. They were... read more
BANKRUPTCY CAN HELP
STOP WAGE GARNISHMENTS
WIPE OUT DEBT
TERRENCE FANTAUZZI LAW
We help clients discharge or repay their debts through Chapter 7 or Chapter 13 bankruptcy.
If you have student loan debt, we can move you into a payment plan that allows you to repay your loan without stumbling under crushing monthly payments.
CHAPTER 7 BANKRUPTCY
Bankruptcy under Chapter 7 is known as “liquidation.” Under Chapter 7, my clients usually keep all or most of their property and/or home equity through California’s generous exemptions. If filing for Chapter 7 Bankruptcy makes legal and practical sense for you, we will prepare your petition and schedules and file them with the bankruptcy court. At this point, the automatic stay will go into effect.
Harassing creditor calls, foreclosure activity and wage garnishments stop almost immediately. Any further communications from your creditors will have to go through our office.
The fact is, you can go through Chapter 7, get most of your debt wiped out within six months and begin rebuilding your credit. You don’t have to tackle the problem on your own.
The goal of chapter 7 in California is to discharge, or wipe out the mountain of debt that is preventing you from moving forward with your life. It is most common form of consumer bankruptcy. Debt you can eliminate through Chapter 7 include:
- Credit cards
- Personal loans
- Bank Levies
- Mortgage deficiencies
- Medical bills
- Certain tax obligations
If you are unemployed as the result of COVID-19, or if you have massive medical bills or credit card debt, contact us for a free consultation today!
CHAPTER 13 BANKRUPTCY
Bankruptcy under Chapter 13 is commonly referred to as the “wage earner plan.” You must have a reliable source of income to repay some portion of your debt.
Chapter 13 in California allows our clients to reorganize their debt to repay all or a portion of their credit cards, taxes and past due mortgage and vehicle payments over a 3 to 5 year period. Although this option takes longer than Chapter 7, there are several advantages:
- Stop foreclosure proceedings and cure delinquent payments
- Lower and extend payments for secured debts
- Protect co-signers from creditors
- The court trustee distributes payments, so you don’t have to deal with the creditors
- Debt remaining after all plan payments are made are discharged
The amount of your payments depends on how much you earn, your disposable income and the amount of non-exempt property. We can help you determine if you are eligible for Chapter 13 by assessing the amount of secured and unsecured debt.
FEDERAL STUDENT LOANS
The government chooses which organization servicers your loan when you take out your first federal student loans. The vast majority of Federal Student Loans are serviced by one of these organizations:
- FedLoan Servicing
- Granite State
- Great Lakes
If you have tried working out payment arrangements or cannot make the payments you were assigned, we can help.
There are a variety of options available to help you deal with your student loan debt, from rehabilitation and consolidation to repayment options. We can analyze your situation and assess which options can lower your monthly payments, stop wage garnishment, recover from IRS tax intercepts, and more.