Frequently Asked Questions
You will still testify at the meeting of creditors, yes. However, the local Federal Bankruptcy Court moved the hearings to telephonic hearings rather than in-person hearings once the COVID-19 Pandemic outbreak occurred. You will be provided a phone number to call for the hearing and a specific passcode to enter. You will then be connected to the live-conference line for your hearing.
Absolutely! By filing for bankruptcy relief, an Automatic Stay is initiated. This occurs the moment a bankruptcy case is filed. Once that occurs, creditors are unable to do certain things, one of those things being move forward with a foreclosure. The best way to do this is by filing for Chapter 13 Bankruptcy.
Yes, you can absolutely file Bankruptcy without having your spouse file with you. We would still possibly need to review your spouse’s income and assets but they are under no requirement to actually file Bankruptcy with you.
No. As an attorney, we cannot make that guarantee. Our job is to understand the facts of your personal situation, analyze that with the rules set forth in Bankruptcy Law, make advise you on what we feel is likely to happen if you file for Bankruptcy. Thus, it is extremely important to be 100% truthful to your attorney because if your attorney does not know all of the facts, he or she cannot properly advise you.
Whether you file for Chapter 7 or Chapter 13, you will be required to attend a Meeting of Creditors pursuant to 11 U.S.C. § 341. It’s not a court hearing but it does take place at the Federal Courthouse. Also, it will not be in front of a Judge but rather in front of a Trustee.
For a Chapter 7 filing, generally speaking, that is the only hearing you and your attorney will need to appear at. In a Chapter 13, however, your attorney will likely need to attend actual court hearings in front of the Judge. In most cases, your attorney can attend those court hearings on your behalf and you will not need to be present at them.
The answer to this is very case specific. To determine whether a person qualifies for a Chapter 7 Bankruptcy, you must complete the Means Test. In the Means Test, you will be plugging in your income for the prior 6 months. You will also be accounting for certain deductions the Court allows for. You will then be making a comparison to the median income for your specific household size. If you are left with a certain disposable income, you would not qualify for a Chapter 7 and would need to consider Chapter 13. If you have no disposable income after the conclusion of the Means Test, you do in fact qualify for Chapter 7.
Absolutely not. What the above question lays out is exactly what the courts are trying to avoid---having debtors hide assets when filing for bankruptcy. If you do this, the Trustee has the power to reverse that transaction and possibly liquidate that asset for the benefit of creditors. Moreover, if the Trustee can prove that you intended to defraud the creditors, the Court can deny your discharge altogether. Call our office at 916-800-7690 to schedule your FREE consultation with an experienced Bankruptcy attorney right away.
Unfortunately not. When you file for bankruptcy, you are required by law to list everyone you owe money to. That means regardless of whether you want to keep a certain credit card or not, you must list it when you file for bankruptcy.
Actually, that is incorrect. When filing for Bankruptcy, the Court requires the debtor to disclose their complete household income. That means even if one spouse is not filing for Bankruptcy, as long as they are living together as a married couple, we will have to see the non-filing spouse’s income as well.
It actually will. What the court sees that as is a preferential payment and what the Trustee could do is get the $3,000.00 back from your dad and split it evenly among your other creditors. The reason for this is because the court wants all of the unsecured creditors to be treated equally, be it your dad or be it a credit card. Schedule a FREE no-hassle consultation with our high quality Sacramento Bankruptcy Lawyer right away to speak about your particular case.
If you previously filed a Chapter 7, you must wait 8 years to file another Chapter 7 or 4 years to file a Chapter 13 (from filing date to filing date). If you previously had filed a Chapter 13, you must wait 2 years to file another Chapter 13 or 6 years to file a Chapter 7 (from filing date to filing date).
When you file for bankruptcy relief, you do not get to choose what you include as a debt and not include. Everything must be included. However, that doesn’t mean you will lose your house or car. In a Chapter 7, you will need to evaluate how much equity is in said assets and whether you can exempt them. Furthermore, you’d still need to be able to afford the monthly payments moving forward. In a Chapter 13, it will boil down to whether you can afford the court administered Chapter 13 Plan payments and abide by the rules of the Court. If so, then yes, you will be able to keep the assets.
Now that you have been sued, your time is running out and you need to act quickly. Below you will find a small list of some common options you have when being sued for a delinquent credit card:
- Do nothing. After your 30-day window runs out, the creditor will most likely request the Court enter a Default Judgment against you. That Judgment essentially means that they filed a lawsuit against you, served you that lawsuit, and you did not respond within the 30-day time period. Once the Default Judgment is entered, they will now try to collect that money from you by most likely garnishing your wages or levying your bank account.
- Pay the balance in full.
- Contact the creditor and attempt to settle the account for less than the full balance.
- File an answer in Civil Court in response to that lawsuit. This will generally require a filing fee and it is recommended that you hire a Civil Attorney to do this. In most cases, this will just extend the case out and now you will have to fight with the creditor in Civil Court in regards to that lawsuit.
- File a Bankruptcy. This will essentially make the lawsuit against you moot. Our office will immediately send notice of the Bankruptcy to the creditor suing you and they will generally dismiss the Civil Case against you. Once your Bankruptcy is complete and you have received your discharge, you will have eliminated your obligation to pay that debt to the creditor.
Filing for Bankruptcy is an excellent way to save your car from being repossessed. Once the Bankruptcy is filed, the automatic stay pursuant to 11 U.S.C. § 362 is initiated and the lender is not allowed to repossess your car. If you are looking to buy some time to either purchase a different car or to quickly catch up on the missed payments and keep the car, Chapter 7 is what you need to consider. However, if you want to save the car by restructuring the loan into a 3-5 year payment plan and slowly pay back the loan, Chapter 13 is your answer.
When a person files a bankruptcy case, they are required to disclose all of their assets (i.e. House, car, bank accounts, retirement accounts, furniture, clothes, boats, etc.) in their filing. A Chapter 13 Bankruptcy involves entering into a Court Administered Repayment Plan and because of this, the Court will not take any of your assets upon the filing. However, it is possible to lose some assets in a Chapter 7 case, which is known as a Liquidation Chapter.
In the majority of cases, our office can protect all of a person’s assets and restrict the Court from taking and liquidating them. For example, we can protect up to $600,000.00 of equity in your primary residence. Once protected, the Court has no authority to take such items. If, however, an item is unprotected, that specific item would be at risk of being taken.
By receiving your Discharge through Bankruptcy, your personal obligation on your mortgage debt in fact been eliminated. However, the important thing to keep in mind is that the actual lien is still present and valid. Thus, even though you do not legally owe the mortgage company any money, they still have a lien on your home. This means, in essence, that as long as you want to keep your home, you should still make the monthly payments after receiving a Bankruptcy Discharge.
The Means Test is the test used to determine if your income is low enough to file for Chapter 7 relief. The formula that Congress created is to keep higher income earners from filing for Chapter 7. If you fail the Means Test, that means you are ineligible to file a Chapter 7. If you still need to file for Bankruptcy relief, you would be required to file a Chapter 13 and enter into a 3-5 year repayment plan for some of your debts.
How the Means Test works is in two stages. The 1st stage is when we look at the past 6 months of your household income and compare it to the median income for your particular household size in your particular state. If your monthly income based on the past 6 months is lower than that of the median income for your particular household size, you pass the Means Test and you are eligible for a Chapter 7 based on your income. If, however, your income is above the median income for your household size, you must move forward to the 2nd stage.
Stage 2 is where you will deduct certain allowed expenses (i.e. mortgage payment, car payment, etc.) from your gross income to determine your disposable income. If you are left with enough disposable income to pay back certain debts (i.e. credit cards), you are again ineligible for a Chapter 7 and will need to consider a Chapter 13. The amount that is left over will help determine what your Chapter 13 plan payment would be. If you are not left with any disposable income after deducting the allowed amounts, you pass the means test and are eligible to file for Chapter 7.
For your primary residence, you are now able to protect a minimum of $300,000.00 equity in your primary residence and a maximum of $600,000.00.
Although filing for Bankruptcy and receiving a discharge will eliminate most of your debts, there are debts that will survive the bankruptcy and you will still owe these debts after your Bankruptcy is complete. These debts are considered non-dischargeable debts. The most common types of non-dischargeable debts are certain tax claims, student loans, child and alimony support, debts to governmental units for fines and penalties, and debts obtained by fraud. The Bankruptcy Code that governs non-dischargeable debts is 11 U.S.C. § 523.
The simple answer is No. There are rare circumstances wherein through an Adversary Proceeding inside of Bankruptcy case, you can attempt to discharge your student loan debt. But the common answer is that your student loan debt will survive and you will still be obligated to pay on it.
Free Consultation
Here at Sacramento Bankruptcy Lawyer, we set ourselves apart from other firms because we provide direct client to attorney contact from the initial consultation all the way through the discharge in your particular case. We will not pawn your case off to a staff member at any point through the process. When you call Sacramento Bankruptcy Lawyer, you WILL speak with local Sacramento Bankruptcy Lawyer Pauldeep Bains. Please call Sacramento Bankruptcy Lawyer ASAP at 916-800-7690 to schedule your FREE in-person or phone consultation with Pauldeep Bains and let Sacramento Bankruptcy Lawyer begin getting you the fresh start that you deserve.
Testimonials
As a practicing attorney, it is important to refer cases to competent counsel who provides reliable, effective, professional legal services. I have referred numerous bankruptcy cases to Mr. Bains and I have never heard any negative feedback. I know there are many options to refer to other attorneys in the community, but i trust Mr. Bains to take care...
Sarbdeep A. – Sacramento, CA
I needed some information on bankruptcy rules and this office saved the day. Paul was extremely professional, knowledgeable and easy to work with.
Jesse M. – Benicia, CA
This attorney was AMAZING! All I had was a phone consult… he couldn’t do anything for me…. But still stepped in and helped me!!! He explained everything I needed to know very simple to understand and if it wasn’t for him my kids and I would have lost our home…. You can trust him! Thank you Paul!!
Tammy B. – Modesto, CA
I had an excellent experience working with Pauldeep and associates. All of their work was/is very professional, responsive, and high quality. On the communication end, everyone I spoke with was super friendly and down-to-earth. My questions were always answered the same day, and Sacramento Bankruptcy Lawyer always made sure to go the extra mile in...
Tim M. – San Francisco, CA
This is Jouchong, I like to say thank you to Mr. Paul Bains, he's a great help, taken care of my case to a closure no problem. I recommend 100% to anybody who's in need. Thanks again, Mr. Bains.
Jc Y. – Natomas, CA
Paul Bains is top tier! He helped me about 2 years ago and was amazing from start to finish....And even after. He answered ALL of my questions without giving me the run around, he is honest and trustworthy, fast and efficient. He made the whole process stress free!!!! He responded fast to every single email and phone call. Glad I found him, I...
Samantha V. – Roseville, CA
While I wasn't able to avail myself of Paul's legal services, I was both impressed and grateful for his feedback and sincere effort to advise and assist. If you're looking for someone to advocate on your behalf, I have no doubt Paul is an attorney you'll be glad to have in your corner.
Audrey W. – Sacramento, CA
I'm not one to write reviews but if you're searching for a lawyer just stop here, stop looking and give this man a call. I was recommended to Paul by a friend. I gave him a call, explained my situation and he helped educate me on what options were best for me. He is very thorough and really does care. When you decide to have him represent you (you...
Travis G. – California
I retained Pauldeep Bains to help me with my bankruptcy. Paul took the time to sit down with me and talk through everything in my situation, gave me options, plans and payment arrangements available. He and his assistant were both very organized, responsive and all the information I needed was readily available. It took me some time to put together...
April F. – Citrus Heights, CA
Bankruptcy was never something I imagined having to go through but, then life happened and, I realized it was something vital for me to move forward in life. I couldn't have asked for a better lawyer. Pauldeep and his assistant Tina Perez are very professional, knowledgeable and they went above and beyond for me. I had many questions and, much...
Rose W. – San Francisco, CA
From the first point of contact I knew I was in good hands! Paul put me at ease and made the whole process seamless. He's very knowledgeable, professional, attentive and responded quickly to all my questions & concerns. I highly recommended his services! I was beyond impressed!
Dayana M. – California
After my 26 year marriage was over I felt completely lost and taken advantage of by my now ex-husband. I can't thank Mr. Bains enough for his constant support and professionalism. He was super attentive and very reasonable with his fees. Thank you for everything you did for me during one of the darkest times of my life. I highly recommend him to...
Heather W. – Sacramento, CA
Pauldeep was extremely communicative and helpful. I highly recommend his services.
Scott W. – Las Vegas, NV
Paul has been great to work with. He reviewed my options and we filed. Things were going great and then a life changing event happened, and Paul reviewed my situation and we went in a different direction. He has been very patient and has kept me informed every step of the way. I advise anyone that needs help with a bankruptcy to reach out to Paul.
Steven G. – Orangevale, CA
Thank you for all your help and patience. I recommend with confidence Paul Bains and his staff they are fantastic to work with if you are planning to file bankruptcy. Paul and his staff are professional, understanding and friendly. Straight out, he explains the process step by step on what to expect during the process, they also offer payment...
Suzanne B. – San Francisco, CA
Paul was wonderful to work with and very professional. He made feel at ease and extremely knowledgeable. I would highly recommend him.
Pat M. – San Francisco, CA
Paul is wonderful to work with. He is knowledgeable and very attentive which makes me feel at ease. Paul is trustworthy and I would 100% recommend him.
Joy V. – Sacramento, CA
It was a pleasure working with Paul. Will definitely recommend you to friends and family. Very professional and always available to answer any questions I had and walk me every step of the way! I am finally debt free and ready to start fresh, thanks again Paul for all your help!
Eduardo C – Sacramento, CA
This was my first time filing for bankruptcy and I'm so glad I chose Paul to work with. He made the process seamless and easy to understand. I was nervous to trust my financial history with just anybody, but Paul was very easy to talk to and straight to the point. Thanks Paul!!!
Linda N. – Placerville, CA
This was my first time being in a situation where I had to file, I was highly stressed out and didn't know what to expect and I called Paul at the Sacramento office and he assured me that he would take care of everything for me and not to worry, I took a chance and it was the best experience for my situation, those guys were very helpful and...
Big D. – San Francisco, CA
I met with Paul sometime in the beginning of 2020 discussing about my options with bankruptcy and not only did he handle my concerns with care but he was very professional while also being supportive beyond expectation. I've met with plenty of attorneys and lawyers in the past but I have to say Mr. Pauldeep hands down one of the BEST I've worked with...
Jeffrey P. – Newport News, VA
Definitely recommend Paul for your bankruptcy attorney! He was very caring and quick to respond when I had concerns or questions. He guides you step by step on what to expect during the bankruptcy process and what you need to do for your case. It Made the whole process so much easier for me and less stressful than I thought it would be. Thank you Paul...
Megan T. – Rocklin, CA
I was dealing with the loss of my husband and trying to keep all the bills paid at the same time keep my home. Not only was Pauldeep amazing at his job but he helped me stay in my home. He was straight forward, very compassionate to my situation and extremely nonjudgmental as he helped me tremendously. I highly recommend him for the job and will...
D S – North Sacramento, CA
Mr. Bains was professional, efficient and compassionate. He was most helpful, took time to explain things and made me feel very comfortable during this hardship. I would highly recommend him.
Andrea P. – Sierra Vista, Roseville, CA
When I called Paul, he was the best person to handle my case for filing. Paul is trustworthy and very professional. He gets the job done and walks you through every step all the way. I appreciate you Paul and I am forever grateful. A very happy client!!! Patricia C.
Patricia C. – San Francisco, CA
In the initial appointment, Pauldeep gave a detailed explanation of my options, the process and fees. Ensure that you follow the checklist provided to you, and Pauldeep will be able to file with the court sooner than later. Pauldeep is thorough and a pleasure to work with. I highly recommend that you retain his services....
Ben D. – West Sacramento, CA
Very professional from beginning to ending was very involved with my needs/concerns. Fees for his services were tailored to your financial situation. Would definitely recommend his services. Overall beyond satisfied with his services.
Cinthia V. – Sacramento, CA
I found myself in dire straits as I was quickly sinking under water with my finances. And then I found Paul who showed me the light at the end of my tunnel. I needed to file bankruptcy and Paul walked me through the whole process. Finally my day came to go to court and I felt tremendously prepared thanks to Paul
Allen S. – Citrus Heights, CA
Absolutely amazing and makes you feel very comfortable! I would highly recommend them to anyone.
Kerry L. – Dixon, CA
As a fellow attorney I have referred several clients to Paul Bains who were in need of Bankruptcy assistance. Mr. Bains or Paul is very knowledgeable and has lengthy experience in various areas of Bankruptcy law. I trust him with my clients and would not hesitate to recommend him to anyone in need. I know that he is reliable and dedicated to his...
Tim M. – Los Angeles, CA
Sacramento bankruptcy lawyer Paul Bains has delivered valuable help to local residents that I have referred in times of need. Emergency legal services are difficult to provide in a way that gives debtors what they need, but Paul found a way to come through. Thank you!
M L – Sacramento, CA
I want to say that this lawyer is very efficient and very attentive with answering all my questions, I am very happy with his services. He has always talked to me clearly and at the end of it all I had great results. I highly recommend Pauldeep as your lawyer.
Armida R. – Dixon, CA
Paul was helpful and handled my case with a level of good old-fashioned professionalism I wish I found more of these days, he was thorough, took all the time needed to explain the process of bankruptcy, that I knew nothing of, and had an answer for all my questions. He made me feel comfortable and put my mind at ease, he was available anytime for...
Renee G. – Rio Linda, CA
Deciding to file for bankruptcy is one of the hardest things I ever did. Paul Baines what's highly recommended and took me in with open arms and walking through all the way to the end which I just finished the last month! And he was there the whole time
Kymber P. – San Francisco, CA
Paul was highly recommended to me by my dear friend. I can tell you that this man made all the difference in my bankruptcy case. He was extremely patient with me and encouraging when I felt anxiety about the process. He was always willing to answer as many questions as I had and walked me through each step of the process. He is extremely competent and...
Nicole L. – Vacaville, CA
Paul was fantastic, professional and very knowledgeable. His office handled our chapter 7 case and walked us through every part of the process. Paul explained the entire process and made sure we were taken care of every step of the way. Paul made it really easy during a stressful time for us and now we are rebuilding our finances and have new secured...
Richard B. – Olivehurst, CA
Mr. Bains did a fantastic job. He was very professional, answered all of my questions and was very morally supportive too. He was quick to process all of my paperwork and always kept me up to date on everything. It feels as though I've had a huge weight lifted off of my shoulders. I highly recommend Mr. Bains. He will take good care of you.
Frank T. – San Francisco, CA
Mr. Bains represented me during my Chapter 13 bankruptcy. He answered all my questions and was very patient with me. I felt that he really cared about me and he always showed kindness and respect toward me. I was kept informed as to what was happening and what to expect during the entire process. He is very knowledgeable about the law. I would highly...
J.A.- Sacramento, CA
Just the best. Mr. Bains' is very professional and makes sure to take care of everything, from initial filing to court appearance, to discharge. Very easy to get a hold of with questions and taking care of necessary paper work.
Suzanne G. - Elk Grove, CA
Paul is an excellent lawyer, from the first time I met him he put me at easel, and kept me well informed. I would definitely recommend him to any one who is thinking of bankruptcy.
Barbara S. - San Francisco, CA
Paul was easy to work with. Although, there were times I had to track him down through emails or phone calls, for the most part he would always get back to me. He always kept it professional and handled my case in a timely manner. It was a pleasure working with Paul. I would definitely recommend him to anyone... like the OPPOSITE of that old saying...
Evad J. - Elk Grove, CA
If you need a lawyer, I recommend Paul Bains. He is with you every step of the process. He returns calls and emails promptly. He is relentless on getting your issues solved. He is very knowledgeable and personable and gets the job done. I feel that if I called Paul three years later with a problem that he would be there to help me. Paul is not your...
Nancy E. - Fairfield, CA
Paul was very down to earth. Didn't judge me about any situation and was able to get me a quick Chapter 7 discharge when nobody else could. I would recommend him with flying colors!
Shannon M. - Sacramento, CA
After voluntarily surrendering my car last year, there was still a high balance remaining that I or the other person on the loan would have to pay after it was sold in an auction. I did not have the money, nor did I want to pay for a car I no longer own, to pay off that remaining balance. After researching Sacramento bankruptcy lawyers, I found Mr....
Alexis L. - Sacramento, CA
I had the pleasure to have Paul Bains managed my case. In the free consult he explained my options and the steps of my case, what documents were needed and how to fill out information. Explained the payment options he had according to the case and filling fees. Always answer all my questions either in person, phone or email according to how I reached...
Tatiana G. - Sacramento, CA
Paul was the first attorney that I consulted when I decided to file bankruptcy and he was the only one! I knew right off the bat that he was the attorney that I wanted to work with. He made me feel comfortable and as if I was in very capable hands. He was no nonsense, right to the point, answered all questions quickly and got things going immediately....
K E L J. - Fair Oaks, CA
Paul is the first and last person you should hire, if considering bankruptcy. I had a huge weight lifted off my shoulders, when hiring Paul as my attorney. I got myself in debt with medical bills, moving, job loss, being on SSI, etc. and I felt I would never catch up on any of my bills, because $2 or so went to the principal, and the rest went towards...
Isaiah M - Sacramento, CA
Paul was very kind and understanding during my bankruptcy. He also did a fantastic job explaining every step of this process in terms that I could easily understand. If your considering filing, I'd highly recommend his firm.
Ashley W. - San Francisco, CA
Paul is extremely well-versed in his field, and it shows in the quality of his work! My experience with Paul was very quick and painless. He takes the time to explain everything thoroughly, prepare you for each step in the process, and he makes himself extremely accessible to answer questions or address any concerns you may have. If you are even just...
Melissa T. - Sacramento, CA
Fast, friendly, and flawless. If you're in need of a bankruptcy attorney, he's your man!!!
Patti S. - Sacramento, CA
Paul was great! He is very knowledgeable and cares about his clients. He understand and hear without judgement. He responds to emails and phone calls right away. I would highly recommend him for those need advice. Thanks, Paul.
Daniel G - Fairfield, CA
Paul was very professional and cordial. He advised about the best option and solution to resolve the issue at hand. Paul too time to explain everything and made me feel comfortable. The actual process was smooth, quick, and painless. I would recommended Paul to anyone looking to take the leap and straighten out their fiscal challenges!
Indi K. - Elk Grove, CA
Paul is a great guy that takes the time to explain everything and makes you feel comfortable. The process was smooth, quick, and painless. We absolutely recommended him to anyone looking to take the leap and straighten out their finances!
Neal H. - Antelope, CA
I was in a situation no one wants to be in and Paul understood and made me feel comfortable when we first met. He kept me updated during the whole process. He was knowledgeable and available at any time. I would absolutely recommend him to anyone who finds themselves in need of an attorney. Thanks Paul!!
Stacey A. - North Natomas, CA
Paul made me feel so comfortable. This wasn't a easy decision to file for bankruptcy. I have health issues so its been a relief to have this done. Less stress the better. Thank you paul your the best. Sandy.
Sandy L. - Sacramento, CA
Paul is an outstanding attorney as well as extremely knowledgeable in all aspects of bankruptcy law. I was lucky enough to do some research on bankruptcy attorneys and came across exceptional Yelp reviews for Paul. He is a very compassionate and caring person that walked my husband and I through the whole process anytime I had a question or needed...
Agnes K. - Sacramento, CA
I was dealt a bad hand, with debt that just kept piling. Not to mention being served with wage garnishment. Terrified, I called so many different bankruptcy lawyers, I lost count. Paul was the one that stood out in the back of my mind. When I talked to him, he seemed very empathetic. He took me step by step and laid out all the information for me. So...
Melanie N. - Sacramento, CA
Paul is the person to go to when you are looking to file bankruptcy! He took the time out to talk with me to make sure this was the right decision for me and if I would qualify for the correct chapter. He answered all the questions I had Day and night. He was available when I had the most ridiculous questions. He made me feel sure and comfortable...
Bhanie C. - Sacramento, CA
I found Paul via Yelp and saw all the great reviews. I'm always so skeptical when a business has nothing but awesome reviews, but there is truly a reason why you can't find anything bad about this guy! Super professional, very responsive, answers every question no matter how "dumb" it may be, and makes you feel very comfortable and at ease about going...
Typhanie R. - Sacramento, CA
I did my homework and decided Paul would be the best choice for me. I have NO regrets! I had many questions along the way and Paul answered everyone of them, if I emailed him (which I did ALL the time) he always responded, if I called he always called me back. He was professional and informative, not to mention kind. He has a natural confident manner...
Susan H. - Woodland, CA
Paul is an outstanding attorney as well as extremely knowledgeable in all aspects of bankruptcy law. I was lucky enough to do some research on bankruptcy attorneys and came across exceptional Yelp reviews for Paul. He is a very compassionate and caring person that walked my husband and I through the whole process anytime I had a question or needed...
Laurie W. - CA
I needed assistance with a bankruptcy issue and I was referred to Paul Bains by another attorney. I was so relieved after meeting with him. Paul is so knowledgeable in his field and was able to answer every question I had. I would recommend contacting Paul to anyone that needs help on this area. I know if I am ever faced with a similar issue I...
Rosie D. - Sparks, NV
Paul is not only an outstanding attorney but also an honest, open and caring person. When I found myself in the unfortunate situation of having to file bankruptcy, I also found myself experiencing a great deal of shame and despair. Obviously, I was not at a high point in life financially; I had been hit hard by the recession/lack of work and some...
Mandy P. - Chicago, IL
As a financial consultant, I've dealt with Paul on numerous occasions. As always, Paul was/is there to guide me through the "bankruptcy laws" in order for me to serve my clients better. I highly recommend Paul and his expertise in Bankruptcy Law or any other legal services. One word that sums him up is: GENUINE. He ACTUALLY cares.
Taj R. - Kerman, CA
It's with great certainty that I say Paul is the best attorney I've had the honor of representing me. When the unfamiliarity of bankruptcy law mix with personal financial stresses you find yourself in a situation where you need all the help you can get, yet difficult to establish trust in others. Paul was the package solution to both problems. His...
Rocky P. - Milpitas, CA
Not only is Paul a highly competent lawyer but a great person as well. My case was very complicated and Paul provided honest and accurate information along the way. He took a load off my shoulder and I am so grateful for his support. I would introduce any one of my friends or family members to Paul in confidence that they too are working with the...
Nishi D. - Yuba City, CA
I would recommend Paul Bains to anyone who needs a bankruptcy attorney. He is someone who care about your situation and will help you find a solution.
J.L. - Los Angeles, CA
Mr. Bains is an exceptional attorney with a strong foundation in bankruptcy law. He understands filing for bankruptcy is one of the most difficult decisions one will make in their lifetime. Given that, he takes the time to inform each client of their legal rights and recommends a tailored plan to ease the process. Should you find yourself...
S.B. - San Diego, CA
I am definitely happy that I chose Paul Bains at Sacramento Bankruptcy Lawyer to represent my family in a legal matter. He kept me informed every step of the way, and made us feel really comfortable with the entire process. I will continue to recommend Paul Bains to all of my family and friends.
Savannah D. - Sacramento, CA
Paul is by far the best attorney I've ever met. I had some things come up in my life and had no other option but to file bankruptcy. Paul was very patient with me and listened empathizing with me during my whole ordeal. I got really anxious during court and his kind words of encouragement got me through the hearing. It's been 2 years since my bk was...
Melissa B. - Fairfield, CA
As a practicing attorney in another area of law, I often come across clients in need of Bankruptcy services. In every case I have referred them to Mr. Bains. Just recently, the clients I referred were facing imminent foreclosure proceedings, but he was able to halt the process and keep a roof over their heads. He provided a financial plan to get...
Tim M. - Los Angeles, CA
I cannot recommend Paul Bains enough. Not only does he possess extensive legal knowledge, but he will always go that extra mile to ensure his services exceed my expectations. Truly goes above and beyond. He is very professional, yet very personable. I've recommended his services to my family and friends, and will continue to do so. Thank you Paul...
Nav S. - Sacramento, CA
Mr. Bains always provides us with clarity, thoroughness and has vast legal knowledge. His sense of humor helps to ease being in a law office, and makes you feel comfortable. Have used Sacramento Bankruptcy Lawyer on a few occasions and have used Mr. Bains for past few years for different cases for clients. He is very compassionate and takes his time...
Sunny B. - Sacramento, CA
I have referred individuals over to Paul over the years and he has handled them all with first class service. He has a wealth of knowledge that he is able to apply to the variety of scenarios I send him. He has been a great resource for me and I definitely plan on using his services in the future.
A.B. - Roseville, CA
Paul is extremely knowledgeable about bankruptcy laws and very well respected in the legal community in Northern California. He has helped many clients with Chapter 7, Chapter 11 and Chapter 13 bankruptcy issues. He cares deeply about his client’s needs and goals and will stop at nothing to ensure that those needs are met. He would be the first...
K.D. - Orange, CA
My wife and I took a chance back in 2015 in hiring Paul as our Attorney through another Law Firm. We were searching the internet for a local Bankruptcy Attorney in the area. We did as much homework as possible related to our internet search. Also, did a little reading regarding the Bankruptcy process. However, time was not on our side. Our house...
Robert D. - Fairfield, CA
I had Paul as my Bankruptcy attorney and was great he knew how to make it all work so that I wouldn't have any issues. He is very knowledgeable and truly cares. I would definitely refer him to anyone looking into going through the bankruptcy process since he made it so easy.
Alicia M. - West Sacramento, CA
Paul Bains was a great attorney. He explained everything to me from beginning to end and discussed all my options before we started the case. I recommend anyone to Paul if they want a good experience!!
Hayden F. - Browns Valley, CA
I highly recommend Paul Bains to anyone who's considering Bankruptcy. He's very knowledgeable of Bankruptcy laws and he made it very comfortable for me during this time. He kept me inform every step of the way via e-mail and phone calls. I was very nervous when I was in court, he calmed me down with his encouraging words and explained exactly the...
Ms. O. - Sacramento, CA
You do not have to look any further for legal help! I have done business with Paul for several years now. He will walk you through the entire process and respond to any questions you have right away. Paul will make you feel comfortable about any situation you are in and relieve any stress you have because he will get it done. He is affordable,...
Brandon C. - Roseville, CA
Paul Bains is a tenacious and knowledgeable lawyer. He has extensive experience with bankruptcy laws and knows how to navigate through the laws to achieve the best results for his clients. I have referred clients to the Sacramento Bankruptcy Lawyer team and I highly recommend them to anyone who needs a great lawyer.
Shawn D. - Roseville, CA
Awesome consultation from Mr. Bains...thoroughly answered all the legal questions I had for him. Highly recommend Sacramento Bankruptcy Lawyer.
Jasper G. - Roseville, CA
Paul is great! From first time we met until we finished everything up, it was first-rate all the way. He says what he's going to do and he does it. I would recommend Paul without hesitation.
Steve F. - Sacramento, CA
Mr. Bains possesses the legal knowledge, skills, communication and experience needed to effectively and efficiently serve his clients. I have referred several clients to Mr. Bains, each of whom have been satisfied with his ability to achieve their individual needs, but also his ability to listen and communicate (two aspects that are often lacking...
Simran H. - Modesto, CA
Paul's one of the most professional and easy to work with lawyers I've met. He is down to earth and a straight shooter. If anyone is in need of bankruptcy help, I send the person to Paul Bains.
Atwal & Company - Sacramento, CA
Excellent at his craft. Takes care of business in a timely manner. Couldn't have asked for a better lawyer to represent me.
Kam D. - Yuba City, CA
Mr. Bains is very professional. He explained all options and scenarios. Very informed about different aspects of Law.
Haer Abath - Folsom, CA
Mr. Bains has been an extraordinary attorney. My husband and I are very grateful to have him represent us. Mr. Bains has allowed us to handle this stressful situation with dignity and recover from our financial crisis. Mr. Bains has handled our case with clear and constant communication, professionalism, helpfulness, and has been very personable.
B.N. - Folsom, CA
Paul Bains RESPONDS to phone calls, emails and text. You are NOT just another number, or client in the data base - he is personal, caring, and gives attention to detail. Since I had to go through this, I am most certainly glad that I had Paul in my corner. I will always say that he is THE BEST at what he does, thanks Paul.
Gretchen - Sacramento, CA
Paul was very understanding of my financial situation. He helped calm my nerves during the hearing as I suffer from anxiety. Thank you so much for all you've done!!! I definitely will refer anyone requiring your assistance in the future.
Melissa S. – Fairfield, CA
My wife and I owed over $1,000,000.00 to various creditors. Mr. Bains was the best! He worked around our crazy schedule and was always available to answer any questions we had. Mr. Bains was unlike other attorneys who I’ve dealt with in the past who are just after the money. I’ve referred other people to him and will continue to do so!!!
Ken M. – El Dorado Hills, CA
We were about to lose our home. My wife and I were extremely stressed and did know what to do. After speaking with Paul, we both felt a sense of relief that we hadn’t in months. He explained to us the process of Chapter 13 and was very patient in doing so. Paul saved our home and we are forever thankful for all his efforts!
Jesse B. – Sacramento, CA
