The Law Offices of John A. Comerford & Associates
I'm attorney John A. Comerford and my law practice is aimed at helping people get out of debt. I don't like to see people stressed out over financial problems, and I have the experience and the tools to help you solve them and make a fresh start, no matter how difficult the problem may seem. Don't let debt problems cause you sleepless nights. Life's too short for that. One call can get things started. We'll examine your situation, we'll come up with the best plan of action and we'll make it happen. We'll get you on the right track and you'll never go back to living in debt again.
Read below to learn how we can help you:
- Eliminate Credit Card Debt
- Stop Creditor Phone Calls
- Stop Mortgage Foreclosures
- Stop Wage Garnishment
- Stop IRS Liens and levys
- Stop Lawsuits and Judgments
- Eliminate certain tax debts
- Eliminate Second Mortgages
Let us guide you through the legal process of making a fresh financial start.
TESTIMONIALS
It takes years to establish a good reputation and only seconds to lose it.
Our firm has never had less than a five star recommendation from any of our former clients, and we are confident that we can provide the same excellent service to you. Here are a few of the excellent reviews we've received.
OUTSTANDING PERFORMANCE!!!
Mr. John Comerford is an OUTSTANDING attorney. In order to fully appreciate the services he provided me I think some background info is warranted. I'm a forward deployed service member in U.S. Navy. My schedule and place of residence change dramatically very often. I contacted Mr. Comerford at his office in the bay area from the Middle East. My ex-wife and I are both from San Francisco. Before I knew it Mr. Comerford was halfway done with my case filings and more often than not, was waiting on me. I think Mr. Comerford's most valuable asset as an attorney (for me) was his speed and professionalism in which he conducted business. I can't speak highly enough of him, and recommend him to anyone looking for a professional, trustworthy attorney.
BEST BANKRUPTCY HELP YOU CAN GET
I Had to go thru a Chapter 7 bankruptcy when my credit cards got too much to pay and with all my other bills I did not know what to do so I called Johns firm and talked to him. He set me up with an appt and told me all my options. We then decided a ch-7 bankruptcy would be the best way to solve my problems. He then handled all the paper work and process and I had no problems after that. He did a great job in court and it all worked out. Thanks To John and his firm
GREAT BANKRUPTCY LAWYER
John helped me through a difficult time in my life. His compassion and sincerity was appreciated as I went through my bankruptcy. As I provided all the information he needed to make it happen, I felt like I was in good hands the entire time. I am now enjoying my fresh start with a large weight off my shoulders. Thanks John!
I RECOMMEND JOHN COMERFORD
Excellent communication, works extremely hard for his clients, very easy to talk to. He will always go the extra mile to make sure that your case is handled with the utmost care.
There are more like this, but you get the idea. The bottom line is that we care about our clients and we always, always "go the extra mile." Attorney John A. Comerford is proud of his firm's reputation and the satisfaction he has obtained for his clients..
He plans on doing the same for you.
CREDIT CARD DEBT
It is so easy to fall into the trap of using credit cards and then find ourselves in a position where the very best we can do is to simply pay the "'minimum monthly payment," which is little more than the interest on the debt itself. By doing this, payments will continue almost forever. If you meet the qualifications (and most people can), a Chapter 7 Bankruptcy can eliminate that debt, stop creditor phone calls, and leave you free of all your unsecured debt. Hospital bills, lawsuits and even many kinds of tax debts, including IRS debt, can also be eliminated. If Chapter 7 is not a viable or desirable method, perhaps because your income is too high or you have too much equity in a home, we also have the options of a Chapter 13 partial repayment plan or a course of Debt Settlement, meaning direct negotiation with creditors to arrive at a reduced settlement amount and an affordable installment payment plan. As you can see, there are plenty of options. The one we choose to follow will be custom-tailored to fit your particular situation.
MORTGAGE FORECLOSURES
Fall 3 months behind in your mortgage payments and you will soon be receiving a notice of default from your lender. If you cannot make up the amount owed, the next step is a notice of foreclosure sale, and your house will be sold at auction, very probably back to the lender, who can then sell it to someone else. This is the situation tens of thousands of people are now facing EVEN THOUGH THEY COULD MAKE UP THOSE BACK PAYMENTS IF THEY WERE GIVEN ENOUGH TIME TO DO SO. A Chapter 13 Bankruptcy is intended to help people make up those arrears. Under the protection of the Bankruptcy Court, people who have encountered temporary financial difficulties have the opportunity to pay back their arrears over a 3 - 5 year period and keep their homes. If the Fair Market Value of your home is less than the amount you owe on your first Deed of Trust, we also have the option of LIEN STRIPPING, which means to repay the second Deed of Trust or Home Equity Line of Credit at the same percentage as other unsecured debts. This can amount to a huge savings for people who have suffered from the drop in home values.
TAX DEBT
When the tax man comes knocking on your door claiming that you 'made an error' in your tax calculations, he'll be asking for interest and penalties that increase the size of the debt enormously. When that happens you may need some help coming up with a workable solution. Even whe dealing with tax debt there are plenty of options. We may be able to discharge the debt completely in Bankruptcy if you meet the requirements. We may be able to go back and amend your tax forms. If your income has decreased we may be able to put you on "currently non-collectible" status, or make an offer for a reasonable Installment Agreement. We may even be able to make what is called an 'Offer In Compromise,' which is a negotiated agreement with the tax agency to reduce the amount you owe. Most people don't really enjoy dealing with the tax man. We can help you get back on friendly terms.
COLLECTIONS LAWSUITS
If you have received a Complaint and Summons from a credtor, meaning that a lawsuit has been filed against you, it is important that you take quick action. If you do not respond within 30 days from the time you receive the notice of the suit, the creditor can get a default judgment which they can use to garnish your wages, levy your bank accounts or put a lien on your property. We will discuss your options with you and determine the best way to solve the problem, either by filing a bankruptcy or by answering the suit and then negotiating a settlement for a reduced amount, to be paid in installments that you can afford.
GOT A DEBT PROBLEM? WE'RE HERE TO HELP SOLVE IT.
CALL TODAY FOR A FREE PHONE CONSULTATION WITH ATTORNEY JOHN COMERFORD
Tel: 510-894-6649
OR CLICK ON THE LINK BELOW TO SEND AN EMAIL REQUESTING MORE INFORMATION
3900 Newpark Mall, Suite 326
Newark, CA 94560
A FEDERALLY DESIGNATED DEBT RELIEF AGENCY
Bankruptcy and Debt Solutions
This website is for advertising purposes only and is not intended as legal advice.
For your protection see a lawyer experienced in the areas of Bankruptcy and Debt Relief for advice before taking any action on financial affairs.
Copyright © 2009 The Law Offices of John A. Comerford & Associates
