Providing solutions to overwhelming debt
A sudden tragedy, lost job or unexpected health problem can create mounting debt that quickly turns once-manageable bills into unbeatable monthly obstacles. With 35 years of bankruptcy law experience, Fred S. Pardes can help you take control of your debt so you can take control of your life.

Negotiator of debt relief options
Fred researches the best means for handling your debt, which may not always be bankruptcy. When it is in your best interest to avoid bankruptcy, Fred is an experienced negotiator who steps in on your behalf to persuade creditors to lower your debt and accept more reasonable monthly payments.

Extensive experience with debt analysis
Fred truly listens to your needs and thoroughly analyzes your case to determine if bankruptcy is the best option for easing your financial burden. He reviews your debts, income and expenses, and explains the ultimate impact of bankruptcy on your family, business, home and future credit. If bankruptcy is the right choice, Fred answers all your questions about the bankruptcy process and the outcomes you should expect. His compassionate approach to dealing with bankruptcy leaves no unpleasant surprises.

Reprieve through automatic stay
Creditors’ aggressive collection methods unfairly compound the stress of escalating debt. You can put an end to the constant harassing phone calls and letters meant to intimidate you into paying debts you cannot afford. As soon as you or your business files for bankruptcy, creditors must immediately stop all collection efforts — including those distressing letters and phone calls.  Fred can deal with your creditors so you can regain your peace of mind.

Your bankruptcy options
After an initial consultation and thorough debt analysis, Fred helps you decide which bankruptcy option is appropriate. Common types of bankruptcies include:

• Chapter 7 bankruptcy — If you and your spouse own few assets and earn limited wages, Chapter 7 bankruptcy grants you relief from debts through the liquidation of your assets. Because many household and personal items are exempt, you can make a fresh start with limited disruption to your life.
• Chapter 11 bankruptcy — If you own a corporation, partnership or sole proprietorship, Chapter 11 bankruptcy permits your business to continue operating while you pay creditors under a reorganization plan. The Chapter 11 option helps you escape debt without losing the business you struggled so hard to build.
• Chapter 13 bankruptcy— You can stop lenders from foreclosing on your home through Chapter 13 bankruptcy. Or if you and your spouse earn higher incomes, but sudden illness, job loss or other unexpected circumstances interfere with your ability to pay your bills, Chapter 13 bankruptcy permits you to pay debts over time in smaller amounts.

Contact a Dana Point, CA bankruptcy attorney you can trust
The Law Offices of Fred S. Pardes, PC is located in Dana Point, California and serves clients in Dana Point, Aliso Viejo, Laguna Niguel, Laguna Beach, San Juan Capistrano, San Clemente, Laguna Hills, Mission Viejo, Lake Forest and Foothill Ranch.

Call the Law Offices of Fred S. Pardes, PC at 949-443-3400 or contact the firm online.