We Can Help Solve Your Debt Problems

Law Office of Rick Morin, PC

Bankruptcy is an Important Tool to Get Your Life Back on Track

Bankruptcy allows individuals and business owners to get a fresh financial start. There is no need to hide from your creditors and bill collectors. Life happens, and Bankruptcy will protect you in times of need.

The quality of my legal services and my commitment to customer service will ensure that your bankruptcy will be completed successfully — and you will know what’s going on at every step of the way.

Easy or Complex, We’ve Got You Covered

My office takes great pride in taking on the toughest and most complex bankruptcy cases. Unlike many other bankruptcy firms, proudly take on bankruptcy litigation to ensure that bankruptcy filers obtain all of the benefits to which they are entitled under the bankruptcy code.

Don’t delay. Bankruptcy can provide you with the fresh start that you need. As a Sacramento Bankruptcy Attorney, I will fight for you in court to get your debts discharged so that you can move on with your life.

Major Benefits of Bankruptcy

ELIMINATE MOST DEBTS

The number one reason to hire a Bankruptcy Lawyer is to eliminate debt. With Chapter 7 Bankruptcy, most of your debt can be eliminated (“discharged” in legal terms). Some types of debt are not dischargeable. I will explain these limitations during your consultation.

PAUSE LAWSUITS, FORECLOSURE AND MORE

A powerful feature of bankruptcy is the “automatic stay.” The automatic stay is a court order that pauses other court actions against you such as lawsuits by your creditors. The automatic stay also stops wage garnishments and bank levies.

IMMEDIATELY STOP HARASSMENT FROM CREDITORS

The number one reason to hire a Bankruptcy Lawyer is to eliminate debt. With Chapter 7 Bankruptcy, most of your debt can be eliminated (“discharged” in legal terms). Some types of debt are not dischargeable. I will explain these limitations during your consultation.

FOCUS ON LIFE’S NECESSITIES, NOT YOUR DEBTS

With your debt discharged and your creditors silenced, you can focus on rebuilding your credit and taking care of the things most important to you. Bankruptcy is a very powerful tool for those people who need to “reset” their financial situation and start fresh.

Call or text (916) 333-2222 today for a consultation with Sacramento’s five-star bankruptcy law firm!

Chapter 7 vs. Chapter 13

  • Chapter 7
  • Eliminates most debts
  • Stops garnishments, levies, lawsuits, and foreclosures
  • 3-4 months start to finish
  • Appears on credit report 7-10 years from date of filing
  • $335 court filing fee
  • Chapter 13
  • Reorganize finances
  • Stops garnishments, levies, lawsuits, and foreclosures
  • Up to 5 years to reorganize
  • Appears on credit report 7-10 years from date of filing
  • $310 court filing fee

Get Started Today

Most of our clients end up telling us that they wished they had called us sooner. Don’t delay any longer. Call our office today to discuss your bankruptcy options.

Help is right around the corner. Call or text us today.

MAKING BANKRUPTCY EASY

As your bankruptcy attortney, my goal is to make this process as easy as possible. The first step is to call to schedule a free consultation. During our meeting, I will make sure that bankruptcy is right for you.

The next step is to bring in documents that I need to begin preparing your bankruptcy paperwork. That’s it! As a Bankruptcy Lawyer, I do all of the legal work for you.

After we prepare your bankruptcy petition, you will come into the office to review and sign your legal paperwork. We will file your bankruptcy that same day, and you will be under bankruptcy court protection.

After your case is filed, you will attend one court hearing. Of course we will be there with you. A typical bankruptcy hearing is 3-5 minutes long.

After your court date, the bankruptcy court will process your case. A typical discharge will be entered in about 60 days after the hearing. In most cases, a Chapter 7 lasts about 3-4 months from start to finish.

Because Bankruptcy is one of the most important financial decisions in your life, you will always meet with an attorney — not a paralegal, secretary or assistant. My commitment is to always be accessible in person or over the phone whenever you have questions. Customer service is #1 in my office.

We are the top rated bankruptcy law firm on Yelp

With hundreds of satisfied clients, and dozens upon dozens of reviews to back that up, you can be assured that we will provide you with an outstanding legal experience.

I would, and have, highly recommend Rick Morin to others due to his professionalism, understanding and his support…

Latisha H.San Diego, CA

Rick and Hilary are nothing short of amazing! They explained everything from beginning to end and made sure I was comfortable and informed of all decisions made…

Robin D.Sacramento, CA

Mr. Morin is organized, thorough, and had answers for me going through the entire process.  I have no hesitation in asking anyone to give this attorney your business.  He has earned the reputation with diligent practice, and hard work.

Michael K.Clovis, CA

From my first call to Hilary at the office to the bankruptcy hearing with Rick by my side today, this law office has been incredible. They are organized, responsive, positive, reassuring, and detail-oriented. Rick takes the time to explain the process and to answer all of your questions. Hilary keeps you on track with text reminders, emails, and phone calls.

Kristi G.Sacramento, CA

My husband and I are so thankful we had Rick handle our bankruptcy. He was by our side through the whole process and always was patient with us and explained everything along the way. He made a very stressful time in our lives easier.

Traci B.Rancho Cordova, CA

Mr. Morin is an upstanding attorney and I would highly recommend him to anyone in need of a good lawyer for a fast and effective victory. Not only was he kind, his entire office staff was as well. They all made it easy for me when it came to documentation and communication for my case…

Yvonne W.Sacramento, CA

I was hit with a bogus 10 cause civil action from a disgruntled former employer (an attorney). Rick was able to grasp the complexity of the case immediately. His knowledge of employment law was amazing, and he worked with me on every aspect of my case. He is ethical, pleasant, and sincere. My case was dragged out for two and a half years, and he got me a settlement for a fraction of what the other attorney was demanding. His fees are reasonable as well. I will not use anybody else if I need legal help…

Tim F.Sacramento, CA

Bankruptcy Resources

Call or text (916) 333-2222 today for a consultation with Sacramento’s five-star bankruptcy law firm!