You do not deserve to be crushed by overwhelming debts. At Robert D. Zabik, Attorney at Law, we fight for your right to make a fresh start free of unmanageable debt and irritating creditors.

Negotiator of debt relief options
Bankruptcy is not your only option. When it is in your best interest to avoid bankruptcy, an experienced negotiator can convince creditors to lower your debt and accept fair and reasonable monthly payments.

Skilled debt analysis professional
 Robert D. Zabik applies intensive research and detailed analyses before advising you to file for bankruptcy. After reviewing your debts, income and expenses, we counsel you on the true and total impact of bankruptcy on your family, business, home and future credit. If bankruptcy is the right choice, we fully explain the process and the outcomes. Our assertive approach to bankruptcy leaves no doubts.

Reprieve through automatic stay
You should not have to endure creditors’ aggressive collection tactics. We can put an end to the harassing phone calls and irksome letters meant to pressure you into paying debts you cannot afford. Creditors must immediately stop collections efforts— including those distressing letters and phone calls — as soon as you or your business files for bankruptcy. We can take charge of your creditors and give you back your peace of mind.

Your bankruptcy options

Chapter 7 bankruptcy

• If you and your spouse own few assets and earn smaller wages, Chapter 7 bankruptcy grants you relief from debts through liquidation of your assets. We can negotiate asset exemptions to limit the disruption to your life.

Chapter 13 bankruptcy

• Through Chapter 13 bankruptcy, you can stop lenders from taking your home through foreclosure. You can also keep your hard-earned assets and pay debts over time in smaller amounts.

Contact a bankruptcy attorney who will fight for your rights
Call Robert D. Zabik, Attorney at Law, at (916) 395-2172 or contact us online to schedule your
free bankruptcy consultation.