Here at Stirling Law we work with clients who face many problems: crushing credit card debt with high interest rates up to 34%, unemployment or substantial decrease in income, overwhelming medical bills, home foreclosures, adjusting interest rates on their homes, and struggling or failed small businesses. Some of our clients are caught in the destructive cycle of payday loans. If you are in a similar situation, the Stirling Law can help.

The Law Office of Robert J. Stirling addresses a wide range of financial and legal issues, including mortgage foreclosures, credit cards debt, loan defaults, federal income tax debt, condominium liens, divorce liabilities, real estate taxes, loan guaranties and business debt.

In times when consumer debt is at an all time high and our economy is reeling from the housing market meltdown even the affluent can be confronted by overwhelming debt. Filing bankruptcy will immediately get the creditors off your back. With Chapter 7, most debts are able to be discharged. With our extensive experience in bankruptcy, we know this complicated law well. Our Lawyers have included information on this site to help you decide if bankruptcy is right for you as well as exactly what bankruptcy is. If you have any questions, don't hesitate to contact us, call or email us using the form in the contact section.

When we review your situation, we will help you determine what your secured debts are, and what your unsecured debts are. Unsecured debts that can not usually be eliminated include certain taxes, domestic obligations (like child support) student loans (unless undue hardship is shown), and improper use of credit before filing.

Even if filing for bankruptcy is not the option for you, we have many other effective options to help you save your home and/or put you back in a more suitable financial position.  We offer a variety of services from Debt Settlement, Credit Restoration, and mortgage Loan modifications.  We may be able to stop the creditors from harassing you and keep your assets.  Federal law puts real restrictions on how and when debt collectors can contact you.  We use the fair debt collection act to your advantage. 

Now if you decide to file for bankruptcy, the bankruptcy court imposes something called an "automatic stay" upon your creditors. From that time forward, your creditors can take no further action to collect their debts. Instead, creditors must participate in the bankruptcy court process if they want to contest a discharge of your debt. Stirling Law can assess your situation and give you insightful advice as to possible outcomes.  Our main office is centrally located in the heart of downtown Sacramento, and we cater specifically to the local Sacramento area community. We can also come to you.  If you want to find out more about stopping harassment from debt collectors, please contact Stirling Law at (916) 851-5909.

Also, click here for more information on the two most common Bankruptcy Chapters:

Chapter 7

Chapter 13

For information regarding the cost of filing a bankruptcy using Stirling Law, click here.

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