Chapter 7 bankruptcy allows individuals, couples, and even businesses to discharge most if not all unsecured debt and takes approximately 90 to 120 days to complete.  Mansfield Cheney carefully analyzes your assets, obligations, income, and expenses to determine whether you can pass the income "means test" to file Chapter 7.  In Chapter 7 you can maintain or "reaffirm" vehicle and real estate loans.  Mansfield Cheney prides itself on having its attorneys work directly with clients and does not hire appearance attorneys to represent you at your hearings.  We provide personal attention from start to finish.

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Your income may allow you to make low interest or no interest payments to creditors over time.  The payment under a Chapter 13 plan is based on your ability to pay and not the size of your debt.  The best part is that you don't have to struggle to pay high interest and the balance of many of your debts is eliminated at the end of three or five years.  Chapter 13 allows homeowners with "underwater" second mortgages to remove those liens against their homes.  It allows repayment of taxes over time.  Chapter 13 plans also restore mortgages to current status while allowing homeowners to make payments on the missed payments over time.

We are focused on bankruptcy law. We design complex Chapter 13 plans to simplify your debt situation.

Call us today to design a Chapter 13 plan that makes your life easier and eliminates your debt.

Chapter 11 bankruptcy allows us to use the full range of bankruptcy tools to solve your financial emergency and put your business or your personal financial life back on track. Chapter 11 provides for reorganization.  It involves your creditors and requires extensive negotiation and consultation with those creditors to reach a plan or vote on a plan that is right for your situation.  In Chapter 11, significant contracts and leases can be revised. Debt schedules can be modified.  Secured debts can be adjusted.  Some debts can even be reduced to asset value and paid over the life of the plan.

Not many local firms excel at Chapter 11 work.  We do.  Our firm is focused on bankruptcy law.  

Call us to discuss your needs and the solutions we provide.

There are times when courtroom advocacy is necessary or even essential to protect our clients' rights in bankruptcy.  We are a full service bankruptcy law firm.  We don't shy away from the Federal litigation that comes with solid bankruptcy representation.  We are experienced Federal litigators and that is essential to knowing we will be with you no matter what the dispute or where it occurs through your bankruptcy.  

Peace of mind in the midst of turbulence is what we strive to deliver.  Let us provide you with the assurance that comes from courtroom experience.  We can carry the burden for you.

Call us to discuss your needs and the solutions we provide.

Mansfield Cheney can review the dischargeability of state and Federal taxes.  Tax obligations are dischargeable under certain circumstances.  This is a complex area of the law and not many firms provide in-depth tax relief analysis.  We do.  Let our experience be your guide in this complex field.  

We also represent taxpayers in offers in compromise and other tax reduction and repayment negotiations with the IRS and FTB.  Our firm includes attorneys who are registered with the IRS to provide a full range of tax relief services.  We have the tools to help today.

Call for more information on bankruptcy and tax relief or other tax obligations solutions.