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    FIVE (5) WAYS TO DEAL WITH DEBT:

    Doan Law Firm is one of only a few firms in California that provides the Complete Package of Consumer Debt Protection Services: We provide both Bankruptcy and Non Bankruptcy Alternatives.  Depending upon your circumstances, Bankruptcy may or may not be right for you.  That is why in addition to Chapter 7 and 13 Bankruptcy Relief, we also provide Lawsuit Defense, Debt Settlement, and Counter Lawsuit Services:

     

    Chapter 7 Bankruptcy:  This is the most commonly filed Bankruptcy Chapter and usually provides the most relief.  In most cases, all debt is permantly eliminated and you keep all your property. Most debtors qualify for Chapter 7 Relief, even homeowners with equity up to $650,000.00 and those with significant income.  Moreover, Chapter 7 is a very effective credit rebuilding tool providing most debtors with fico scores of about 650 at discharge and ranges in the 700s in 12 to 24 months.  Most Chapter 7 filings provide increased credit scores, credit cards within 4 months,  immediate vehicle financing, and home buying within 2 years.

    Chapter 13 Bankruptcy: Otherwise known as the wage earner plan or consolidation plan, this bankruptcy Chapter discharges most debt after a three (3) to five (5) year repayment plan.  Chapter 13 is usually filed by those that are unable to file Chapter 7 due to too much income and/or property.  Chapter 13 may also provide greater relief than Chapter 7 on restructuring vehicle debt, handling foreclosures and repossessionss, and removing junior mortgages on real estate.

    Lawsuit Defense:  Your lawsuit(s) may be defensible for a number of reasons, including but not limited to improper service, stale debt beyond the statute of limitations, lack of proper standing by the plaintiff or debt buyer, lack of evidence, etc.  Doan Law will perform a forensic analysis on the lawsuit to come up with the best defense in terms of countersuits, dismissal, vacating judgments, reversing bank levies/wage garnishments/liens reversed, etc.

    Debt Settlement:  For those that do not wish to file Bankruptcy or otherwise do not qualify, Doan Law can usually negotiate the outstanding debt and significantly reduce the outstanding balance.  By forensically analyzing the defects in the underlying claims, filing counterclaims under state and federal law, and threatening Bankruptcy if the creditor(s) refuse to negotiate, creditors and debt buyers are very cooperative when it comes to accepting significantly reduced settlements from Doan Law Firm.

    Counter Lawsuit Services: There are many State and Federal Consumer Protection Laws that your creditors do not want you to know about.  These Consumer Protection Laws are designed to protect consumers against debt collectors who engage in unfair and deceptive acts and practices.  Many debt collectors disregard these laws and continue to engage in illegal and prohibited conduct because they know they can get away with it and it generates significant revenue. They figure that you or your attorney are ignorant of their violations, and where they do get caught, the amount they pay in penalties is still less than the revenue collected.  These counterclaims can be brought in conjunction with all the fordoing: Bankruptcy, Lawsuit Defense, and Debt Settlement. Unfortunately, due to the unsophistication of most debtors and attorneys, these violations continue and Doan Law remains one of the few Law Firms available to stop such conduct.  Nevertheless, each year Doan Law Firm f recovers Hundreds of Thousands of Dollars arising from such conduct. Even better is that there is NO COST TO YOU. If we prevail against your creditor(s), they must pay our fees, in addition to your damages.  If we do not prevail, THERE ARE NO FEES.  Its not uncommon for our clients to see individual awards of $10,000, $20,000, $50,000, or over $80,000 for such violations!

    For more information about our firm, contact Doan Law Firm today.

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