Bankruptcy Attorney Visalia

The Law Office of Zhou & Chini servicing the cities and counties of California. He is a graduate of UCLA and has been practicing law since 1999.  Mr. Zhou has a wealth of experience in bankruptcy, civil litigation, family law, criminal law and unlawful detainers.

Mr. Zhou has trial experience in criminal law, civil litigation, family law, probate matters, and unlawful detainers.Mr. Zhou was also on the conflict panel of criminal defense attorneys in the County of San Bernardino which is the equivalent of the alternate public defender's office. 

Find out more about what Zhou & Chini can do for you Below.

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The perfect storm of a slow economy, falling real estate prices, rising credit card balances, and higher medical costs for patients has many people in Visalia seeking relief from their debts by any means possible. A solution which is gaining popularity due to the relief and benefits it provides is the filing of either a Chapter 7 bankruptcy or Chapter 13 bankruptcy. While it’s true that the bankruptcy process has become quite a bit more complicated since the overhaul of the bankruptcy code in 2005, the benefits are still available, especially for those who consult with an experienced bankruptcy attorney.

• Credit card debt – This falls into the category of unsecured debt and can be completely discharged in a Chapter 7 bankruptcy or reduced with a workable payment plan in Chapter 13.
• Debts on medical bills – For many seniors, medical expenses have skyrocketed, leaving them with few options. A bankruptcy guided by an experienced bankruptcy attorney can result in the complete discharge of this type of debt.
• How to prevent foreclosure Visalia – A Chapter 7 bankruptcy filing can delay a foreclosure during the process while a Chapter 13 can actually result in a re-working of terms on the mortgage. 
• Eliminating a second mortgage – In hard hit areas like Visalia, real estate prices have dropped significantly. In cases where the value of the home has dropped to the point where it is lower than the amount due on the first mortgage, the second mortgage is considered to be unsecured and can be discharged through a bankruptcy filing. The elimination of a second mortgage can often make the difference between keeping a home and losing it to foreclosure.
• Professional Debt Settlement Visalia - Visalia debt settlement can help reduce your monthly debt.