Tony Carballo, Esq. is dedicated to help individuals and small businesses obtain real debt relief through federal bankruptcy law. The Carballo Law Offices is an official debt relief agency under federal law that helps people file for bankruptcy. Bankruptcy is the solution created by Congress for those who cannot honestly pay their debts.

Stop debt collectors, foreclosure, repossession of your car, wage garnishment, bank account levies and lawsuits! Get rid of credit card bills, back taxes, medical bills and many other types of debts! Please call for a free initial consultation.

Chapter 7 is to get rid of unsecured debts for credit cards, medical bills, repossessed cars and second mortgages after a foreclosure. If you earn too much then you might have to file a Chapter 13 case and only pay what you can afford.

Chapter 13 may allow you to “strip off” and discharge a second mortgage on your home. If you are behind on the house payments, then you can get up to 5 years to pay late payments. If you owe more for a car than its worth, then you may be able to pay only what the car is worth (a “cram down”). Chapter 13 allows you, the consumer, to obtain debt relief like large corporations (such as General Motors) get through Chapter 11.

Let an experienced attorney analyze your situation and advise you. Don’t get involved in unnecessary and expensive debt consolidation programs. Why pay for debts you cannot really afford if the law allows you to get a fresh start. There is a solution!

Qualifications:

Tony Carballo, Esq. is a graduate of the Santa Clara University School of Law (Juris Doctor). He was admitted to practice law by the California Supreme Court (1983) and the U.S. District Courts of Northern and Eastern California. He is a member of the California Bar and the National Association of Consumer Bankruptcy Attorneys (NACBA). He is fluent in Spanish. As a former union member and an SEIU local board member, he has always been dedicated to help union families get a fresh financial start.