California foreclosure filings are growing, and residents in Riverside, San Bernardino, Orange, Los Angeles and San Diego counties are seeking help from California bankruptcy attorneys in record numbers. If a chapter 13 bankruptcy is properly filed the homeowner typically can save their home from foreclosure and restructure their debt. If you are behind in your mortgage payments a bankruptcy attorney can usually help save your home from foreclosure by filing bankruptcy prior to the trustee sale date. If you are current on your mortgage but are struggling with credit card or medical debt and can pass the “means test” then you can file a chapter 7 bankruptcy and eliminate your unsecured debt. Bankruptcy attorneys in California are busy filing emergency bankruptcy for homeowners facing foreclosure because lenders are more reluctant to modify loans. Many home owners are trying to stop foreclosure with bankruptcy for this reason. “We have had hundreds of clients call us days before they are going to lose their home to foreclosure because their lender declined their loan modification at the eleventh hour and we’re able to help with a chapter 13” says James D. Zhou, managing partner at the Law Offices of Zhou & Chini. Zhou is a bankruptcy attorney in California and specializes in filing bankruptcy 13 as well as chapter 7 bankruptcy. Zhou goes on to say, “If our client has a 2^nd mortgage we typically can eliminate it through a chapter 13 as well, most are underwater”.

The need for a bankruptcy attorney is definitely growing, and consumers need to be careful when hiring a bankruptcy attorney in California to make sure they are properly qualified in filing chapter 13 bankruptcy. With chapter 7 bankruptcies being the most popular bankruptcy filing in California, chapter 7 will not save your home from foreclosure if you are delinquent on your 1^st mortgage and can’t bring it current. Chapter 7 also will not allow one to strip their 2^nd lien with a lien strip motion like a chapter 13 will. It is important to consider these things when searching for a bankruptcy attorney in California to save your home from foreclosure. While bankruptcy attorneys are advertising more than ever these days on the internet, radio, TV and Penny Saver you must ask your bankruptcy attorney if he has experience filing chapter 13 bankruptcies with a lien strip motion. The Law Offices of Zhou & Chini file these lien strip motions every week in Riverside/San Bernardino, Orange County, Los Angeles, and San Diego counties. These days, with all the looming foreclosures; there are more advantages when filing bankruptcy with a good bankruptcy lawyer beyond eliminating unsecured credit card debt and medical bills. Being able to stop foreclosures and eliminate 2^nd mortgage liens is significant when someone is working towards a fresh start and has a property that’s upside down. Making mistakes when it comes to filing bankruptcy chapter 7 or chapter 13 can be very costly, you must be careful when you select a bankruptcy attorney in California. There are several websites where bankruptcy law firms advertise and bankruptcy attorneys can be found. If you are looking to hire a bankruptcy attorney in California or just want bankruptcy information then Google bankruptcy attorney with your city or zip code to find a local bankruptcy attorney. To get bankruptcy help or just information on bankruptcy chapter 7 or chapter 13 call the Law Offices of Zhou & Chini and speak directly to bankruptcy attorneys James D. Zhou or Ron Chini at 888-901-3440. They offer a free consultation up to 45 minutes and can help you stop foreclosure right over the phone. If you need to stop foreclosure with an emergency bankruptcy filing or locate a bankruptcy attorney in California visit www.BankruptcyAttorneyinCalifornia.com for more bankruptcy information.

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