Law Offices of Thomas P. Kelly III

About
^{Law Offices of Thomas P. Kelly III}

Santa Rosa Bankruptcy and Civil Litigation Lawyer

If you are facing hard financial times, it costs nothing to call and explore your options. Bad things happen to good people and the life-changing events of illness, divorce, business failure, and job loss can be overwhelming. All of us want to honor our commitments, but banks and credit card companies have no such moral character. The seek to take advantage of our good faith, and the financial industry literally refers to all of us as “debt hampsters” creating a wheel of endless interest payments where the principal never seems to go down.

Bankruptcy is a fundamental right, and the authority for the Bankruptcy Code, which is Title 11 of the United States Code, is found in the United States Constitution found at Article 1, Section 8 which authorizes Congress to establish “… uniform Laws on the subject of Bankruptcies throughout the United States.” It is also perhaps the single most powerful legal tool an individual can use. Upon the filing of any bankruptcy petition, the automatic stay under 11 U.S.C. §362 immediately goes into effect, and by order of the Court, it automatically halts all collections lawsuits, foreclosures, wage garnishments, repossessions, bank levies, and any other collection actions.

If your financial situation is causing you stress and anxiety, and the banks and credit card companies are hounding you, then give us a call to explore your options. Initial consults are always free, and we can review your situation and find out whether bankruptcy will be an effective remedy. Feel free to contact us at either [email protected] or at 707-545-8700.