Effective Guidance From A Certified Specialist

Medical bills. Divorce. An unexpected accident. Job loss. These are just a few of the many reasons why people who have been successful in life fall into debt. No matter why you are facing debt, bankruptcy can be a powerful tool for relief.

At Curd, Galindo & Smith, LLP, we provide white glove service for our bankruptcy clients. With a Certified Bankruptcy Specialist on our team, you can rest assured that your case will be handled with care and close attention to detail. We serve clients in Long Beach and surrounding areas of California.

Understanding Your Options

When filing for personal bankruptcy, you have two options: Chapter 7 and Chapter 13. While our bankruptcy specialist, Jeffrey Smith, will help you determine which is the best fit for you, understanding what they mean before you come to us can help.

Chapter 7 bankruptcy allows those who do not have reliable income to discharge many of their debts while keeping a significant amount of their property — if the bankruptcy is handled correctly. You are allowed to keep so-called exempt property, which encompasses most life necessities, often including your home and a vehicle.

Under Chapter 13 bankruptcy, you will create a repayment plan that typically lasts three to five years. Individuals who file for Chapter 13 typically have higher incomes that allow them to repay some of their debts. Once your repayment plan is over, additional debts are discharged.

The Automatic Stay

One of the most important benefits of filing for bankruptcy is known as the automatic stay. Once you file for bankruptcy, the automatic stay goes into effect, making it illegal for creditors to contact you. This means harassing phone calls and letters cease immediately.

If you are having trouble with creditors and you have not yet filed for bankruptcy, you can tell them that you have retained legal counsel. When you work with us, we will do this for you.

How We Can Help

Attorney Jeffrey Smith is what sets our firm apart from the others. Few other attorneys in the state are Certified Bankruptcy Specialists. When you work with us, you will have a lawyer on your side who only handles bankruptcy and who is considered an expert in the matter.

Here, we get it right the first time. In most situations, you can only file for bankruptcy every eight years. Filing correctly and in a way that maximizes the benefit to you is imperative. In fact, making a mistake could be misconstrued as an intentional attempt to hide assets, which is a crime. Let us get it right for you.

Schedule Your Complimentary Consultation Today

In your first consultation with attorney Jeffrey Smith, you will have an opportunity tell him about your situation, ask questions and begin determining the best path forward. To make an appointment, please call us at 562-485-9376 or contact us via email. Se habla español.

We are a debt relief agency. We help people file for bankruptcy relief under the Bankruptcy Code.