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Stockton Bankruptcy Attorney

Experienced Local Attorney Gurjit Srai Serving San Joaquin, Fresno, Merced Counties



Many of us may view bankruptcy as a death sentence. However, it does not have to be one. In some situations, filing for bankruptcy may give you the chance to get out of a financial hole. If you believe that filing for bankruptcy may be necessary, it is important to hire an experienced Stockton bankruptcy attorney to help you.

Filing for bankruptcy involves many different issues. An experienced bankruptcy attorney can help you navigate the bankruptcy process. A good attorney can also ensure a positive outcome and the opportunity to rebuild your life and financial future.

Bankruptcy lawyer Gurjit Singh Srai serves communities across the Central Valley. He has helped many individuals and small businesses get debt relief from creditors. Our legal team will do everything possible to allow you to make a fresh start. For more information or to learn how we can help you achieve your financial goals, contact the Srai Law Office.

Experienced Attorneys In All Types of Bankruptcy

Central Valley bankruptcy attorney Gurjit Srai is committed to providing the best legal representation for any individual and entity looking to file bankruptcy. Our legal team provides compassionate legal help and guidance that will help you through this difficult time. This often means quick and smart thinking in order to quickly get through a bankruptcy.

We are experienced in all types of bankruptcy law. This allows us to expertly deal with any issues that may arise during your bankruptcy proceedings. As such, we will be able to successfully manage your case to get the best outcome possible.

Different Types of Bankruptcy We Handle

We handle all types of bankruptcy, including but not limited to the following:

Chapter 7 Bankruptcy

Chapter 7 bankruptcy is also commonly referred to as liquidated bankruptcy. It gets rid of credit card debt and most other secured debts, such as telephone bills or lines of credit. Chapter 7 allows an individual to retain his or her exempt assets. It is important to use all available exemptions to make sure that your property is protected from being seized to pay off creditors. We can help decide which assets are exempt from liquidation. Our legal team will also explain the other benefits of filing for Chapter 7 bankruptcy.

Meeting the requirements of Chapter 7 bankruptcy is more difficult than for Chapter 13. One main requirement is doing a means test to determine if you have enough disposable income to repay debts. If you do, you will need to turn over the majority of your non-exempt assets to the Trustee. The Trustee takes possession of any non-exempt property and pays creditors by liquidating the assets.

Our Stockton bankruptcy attorneys will help you claim the correct property exemptions under State or Federal law to help you protect your assets. We will advise you if we see issues with assets that cannot be protected.

Chapter 13 Bankruptcy

Chapter 13 bankruptcy is designed for individuals who have a regular and stable source of income, but are temporarily unable to pay their debts. These people want to use their best effort and good faith to pay their debts in installments over a period of time. They are subject to the protections afforded by the Chapter 13 bankruptcy rules. This type of bankruptcy allows you to set up a three-to-five year plan for debt repayment. Many people who do not qualify for debt relief under Chapter 7 may qualify for Chapter 13 bankruptcy.

You are eligible for Chapter 13 bankruptcy if your debts do not exceed a certain dollar amount as set forth in the Bankruptcy Code. The experienced bankruptcy attorneys at the Srai Law Office will walk you through the process of deciding whether you qualify for Chapter 13 bankruptcy protection.

Frequently Asked Questions About Bankruptcy

When bankruptcy is imminent, we know that you may have many questions. It is always important to speak directly with a bankruptcy attorney about your case. However, we understand how stressful certain questions can be. At the Srai Law Office, we understand that you may need quick answers to your questions. Although we are available to answer your questions anytime, our attorneys want to give you a basis for understanding how your bankruptcy questions can affect your case.

Below are some of our most frequently asked questions:

What is bankruptcy?

If you or your business owes more money than you are able to repay, filing for bankruptcy allows you to work out a plan to repay the money over time or completely eliminate (discharge) most of the debt.

What is the difference between secured and unsecured debt?

Secured debt is a claim that is that is protected by some type of property, either by an agreement or involuntarily with a court judgment or taxes. Creditors can typically claim the property once you file for bankruptcy. Unsecured debt is not secured by any property. Creditors cannot claim unsecured debt if you file for bankruptcy. An example of secured debt is a mortgage on a property. An example of an unsecured debt is money owed on credit cards.

Who can file for bankruptcy?

Generally any individual or business that owes money to a creditor can file for bankruptcy. However, some exceptions do apply. It is important to first consult with an experienced bankruptcy attorney in Stockton.

How often can I file bankruptcy?

Every time you file bankruptcy you can seriously impact your credit, your ability to rent a house, and even successfully applying for a job. Any decision to file bankruptcy should be carefully considered and discussed with an experienced attorney. Below is a general guideline for how often you can file each type of bankruptcy:

Chapter 7: can be filed every 8 years from a previous Chapter 7 filing, or 6 years from a prior Chapter 13 filing.
Chapter 13: can be filed 4 years from a prior Chapter 7 filing, or 2 years from a prior Chapter 13 filing.

Can I speak to an attorney over the phone and ask specific questions about my case?

Yes. You can call us at (209) 323-5558 to speak with Attorney Gurjit Srai. He will answer your phone questions.

Contact an Experienced Bankruptcy Attorney

Bankruptcy issues can be complicated in California, but an experienced bankruptcy attorney can make sure that your legal rights are well protected. The legal team at the Srai Law Office knows that bankruptcy can take a big toll on your life and the lives of your loved ones. We know that no two cases are the same. We will provide you with options tailored to the specific facts of your case.

For more information or to schedule a complimentary consultation with one of our bankruptcy attorneys, please call us at (209) 323-5558, or complete our online form.

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    I highly recommend Mr. Gurjit Srai. Recently Mr. Srai got my criminal case dismissed just within a month. That was really a miracle for me.
    Gurjit was great at keeping me informed with every step of the way with my case. He will give you an honest opinion with your case and advise you well.
    Attorney Gurjit Sing at SARI LAW handle my case perfectly in a really good time manner, he answered and explain in fully detail about all the facts on my each question.
    Gurjit was a Man of his word. He knew the outcome I wanted, and even when there was a clerical error by the court he stepped up and personally handled the issue.
    Mr. Srai helped me with my DUI case. I really liked how he interact with me based on my flexibility. He was very informative and kept me up to date with my case.
    I had no expectations because my experience with lawyers is they take your money and that’s the end of it. Mr Srai was positive and let me know what his strategy was.
    Attorney gurjit is the best lawyers in stockton, I was so down and don’t know what to do when i found out about my situation and attorney gurjit was the answer of my prayers.
    Gurjit is a very good lawyer, he gets everything done on time and is very responsible. I would recommend his to anybody who is looking for a great lawyer.
    First of all, he explained everything that I was to expect in court. He told me what to say and what not to say, and made me feel very at ease.
    I was very happy the first time we talked over the phone. Mr. Srai was very positive from start to end. He let kept me informed the whole way through. Srai was my blessing.
    My review with Gurjit Singh Srai was excenllent he answer all my questions he went step by step how bankruptcy works. He kept me informed in every detail I will recommend him to all my freinds.
    He was very knowledgable and knew exactly what we needed for court. It was nice not getting the run around, or having to return back to court for missing documents or information. He really knows his stuff!
    I recently got a third dui I called around other lawyers and none were as helpful as gurjit as soon as I called him and explained what happened he was very helpful since the first call I made him talking to him.
    Always kept my case and matter top priority. Handled everything properly and has great work ethics. Very knowledgable and courteous. Great lawyer and person over all.
    I had a DUI back in 2005. I had always wanted to get my record expunge,but didn’t know where or how to begin. I explained my situation to a mutual friend; he then referred me to Mr. Srai.
    He is a great attorney and has helped me alot. I would recommend him. He has also helped my friends..
    I am a truck driver and my DL was very important because that was the main support for my family and I. Gurjit helped me throughout the process and was very supportive.
    Gurjit Srai,the most greatest attorny i’ve ever met! He won my case of full child custody. He did an outstanding job! If you’ re looking for a trustworthy,knowledgeable and responsible attorny,pick Gurjit Srai!
    I worked with him About 3 months ago, He helped me at his level best. Very Friendly and Polite. A+++++++++++++++++
    I was really happy with Gurjit Srai’s service. He helped me with my restraining order. He really worked with me to get ready for the court. Whenever I had question’s about the case, he was always there to answer them.
    Took care of my case nice and efficiently. Kept me informed at all times and got my fines reduced significantly. I would greatly recommend this lawyer to anyone looking for one and is a bit short on cash.
    Gurjit srai is an excellent lawyer and he helped me get my dui charges dropped. I didnt have to go to court at all, he did everything for me. He is very friendly and is easy to contact.
    Gurjit has been very professional and honest in advising us. Very prompt and precise.Even in future I will be calling him if I would be in need of an attorney.
    Gurjit Srai did an excellent job in my case. It was always easy communicating with him despite being in a different country. He helped to calmly and realistically go through all my options.
    In meeting Gurjit, impressed with his manners as a gentleman,Foremost he was very professional,his office environment was calming;Gurjit made me feel very secure, in speaking with him about my case.
    Usually an attorney focuses on just one aspect of the law. However, Gurjit Srai does it all! I have been researching attorneys all over California to find out which had the best results and Gurjit was the best by far.
    Made are case very easy and explained everything in great detail. We were extremely satisfied with his service and his attention to detail.
    Gurjit deserves 5 stars. He earned it by winning our trust. Would definitely refer him in future and to my friends and relatives.
    I would like to start by explaining my case. I was involved in a DUI incident on December 24, 2010. I was scheduled to appear in court in March of 2011. In between the arrest date and the court date, you are given a notice of suspension.
    I hired Mr. Srai to handle my dui case this year. I received this in the county in which he resides and practises, i live in another county. He made a couple trips to my location.
    Mr. Srai was extremely prompt and verfy informative when it came to my case! Some say the best way to reach me is by this way or my case, it started with an email and ended with a phone call.
    When convicted of a DUI gurjit helped me get a dry reckless, his mellow yet determined attitude kept me calm and confident in my case, so calm a confident that i was minutes late to my appointment at court!
    Mr. Srai helped me reduce the inconvenience of taking my license for a year and 450 dollars to 24 hours of community service. He was vey nice easy to get ahold of and knows how to do his job very well
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