Business Details
14 Years
experience
Emergency
services
Affordable Bankruptcy Solutions in Roseville, CA
Sutterfield, Joshua Admin, founded in 2012, specializes in providing accessible bankruptcy solutions for individuals facing financial hardship. Our practice focuses on Chapter 7 and Chapter 13 bankruptcy filings, with a commitment to transparent pricing and personalized legal representation. We prioritize direct attorney-client communication, offering evening and Saturday appointments to accommodate busy schedules.Our team has successfully guided hundreds of clients through debt elimination while maintaining compliance with federal and California bankruptcy laws. We emphasize client education through free consultations and detailed guidance on debt discharge eligibility, property exemptions, and foreclosure prevention strategies.
Services
Bankruptcy Filing
Chapter 7
Chapter 13
Debt Relief
Foreclosure Defense
Details
- Year established: 2012
Highlights and features
- We offer $900 Chapter 7 bankruptcy filings with no hidden fees
- Direct attorney access for all clients during business hours
- Evening and Saturday appointments available by arrangement
- Serving Northern California communities since 2012
- Emergency bankruptcy filing services available
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation. Most clients qualify for no-asset cases where property remains protected under California exemption laws. The process typically takes 3-6 months from filing to discharge. Our flat $900 fee covers petition preparation and creditor meeting representation.
Chapter 13 Bankruptcy
Chapter 13 establishes 3-5 year repayment plans to save homes from foreclosure and restructure debts. Attorney fees start at $4,000 with partial payment through bankruptcy plans. This option protects non-exempt property and allows debtors to cure mortgage arrears systematically.
Debt Relief
Our debt relief services include eliminating credit card debt, medical bills, and repossession claims. We help clients qualify for bankruptcy exemptions and navigate the means test. Emergency filings stop wage garnishments and collection actions immediately upon petition submission.
Foreclosure Defense
Emergency Chapter 13 filings prevent home foreclosures by creating repayment plans for overdue mortgage payments. We help clients modify loan terms and protect home equity through bankruptcy exemptions. Immediate action is required before scheduled trustee sales.
Emergency Bankruptcy
Emergency bankruptcy services stop imminent collection actions within hours. We prioritize cases involving active wage garnishments, pending foreclosures, or vehicle repossessions. Skeletal petitions meet court deadlines while completing full documentation within required timeframes.
People
Adam Garcia
Bankruptcy Attorney
Adam Garcia founded Sutterfield, Joshua Admin in 2012 specializing in consumer bankruptcy. He provides direct legal representation for Chapter 7 and Chapter 13 filings with transparent pricing. His practice focuses on debt elimination and foreclosure prevention across Northern California.
Questions
What does bankruptcy cost?
Chapter 7 costs $900 attorney fees plus $338 court fee. Chapter 13 ranges $4,000-$6,000 with partial payment through repayment plans.
Can I keep my property?
Most clients retain property through California exemptions. Chapter 7 protects up to $5,100 equity in vehicles, while Chapter 13 keeps all property.
What debts get discharged?
Credit cards, medical bills, payday loans, and certain tax debts typically discharge. Student loans and child support remain unaffected.
How do I qualify for Chapter 7?
Pass California's means test by comparing income to state median. Our free consultation determines eligibility based on household size and expenses.
Can bankruptcy stop foreclosure?
Yes, Chapter 13 stops foreclosure immediately. You repay mortgage arrears through a 3-5 year repayment plan while keeping current payments.
Do you offer free consultations?
Yes, we provide free phone or in-office consultations to discuss debt relief options with no obligation to hire our services.
