A bankruptcy can reduce or eliminate many of your unsecured debts. It wills foreclosures, repossession, lawsuits, and wage garnishment. For over 25 years Dan Vaughan has been dedicated to helping you not only receive a fresh start, but also to achieve financial sustainability. Our resources are there to ensure that you are guided through this process effectively and efficiently.

The process for filing either Chapter 7 or 13 bankruptcies is similar. However, each client has different needs and concerns and the process is customized with the goal of achieving the best outcome possible.

Before We File Your Petition 

We begin with a free evaluation of your situation. You will receive a free credit report. I will ask you to bring with you the following:

• Tax returns for the past seven years.
• Pay stubs for the past 7 years (or as many years as possible)
• List of your current creditors and obligations

With this information I will be able to present you with an in-depth evaluation that will determine if bankruptcy is appropriate for your situation.

Preparing Your Petition

Once we determine the best course of action, I will help you gather the necessary facts and financial information we will need to prepare your petition.

When your petition has been prepared, we will discuss the forms in detail so you are informed of the next steps. After you sign the documents, we will file your case with the Bankruptcy Court.

After We File Your Petition 

About 30-45 days after you file, I will attend with you at least one creditor hearing. After you meet with with your creditors, I will handle the rest of the details, and processes that are required.

A Chapter 7 discharge usually takes a few months, after which you can start to focus on rebuilding your credit. This can be a new beginning!

A Chapter 13 repayment plan lasts three to five years, which means you need someone available to constantly review your information and prevent complications. During this three- year period, I will review creditor claims and deal with objections that arise. I will file motions when needed and take the necessary steps to ensure the workability of your plan and the full confirmation of your plan by the Bankruptcy Court.

If you have a question, please email me your question using the contact sheet. 

Or call me, Dan Vaughan at (925) 674-3622