Law Offices of W. George Senft

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How to Cope With the Emotions of Bankruptcy

I’m here to guide you through the bankruptcy process, from gathering initial documents and completing your paperwork to attending the 341 Meeting and making a plan to rebuild your credit once you’re debt free. But there’s more to bankruptcy than just tasks. Being in debt and making these hard decisions can take their emotional toll. […]

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Pre-Bankruptcy Payments

Borrowing money through a loan or credit card purchase means making a promise to keep up with payments and repay the money you’ve borrowed. If your circumstances change and you realize you can’t make good on this promise, it’s wise to look into filing bankruptcy. It is common to make some payments before filing, to […]

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Bankruptcy Forms

Some areas of life work best without too many rules or guidelines. But when you’re preparing to file bankruptcy, there are definitely some precise steps you must take, including completing detailed forms accurately. This can feel overwhelming, but an experienced bankruptcy attorney can ensure your case is filed correctly without any omitted paperwork. I’ll provide […]

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What Do I Do When I Can’t Pay My Medical Bills?

Bankruptcy cases involving people who went on luxurious spending sprees are far less common than you may think. Most people file bankruptcy due to changes in their financial circumstances, such as a job loss. Divorce is another common reason. Unfortunately, many people are thrown into debt when their health takes a turn for the worse. […]

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Handling the Holidays with Debt

The holidays can bring to mind memories of favorite foods, important traditions, and relaxing with friends and family. For many of us, this also includes exchanging gifts, but this can be stressful if you don’t have much money to spend. If you’re dealing with debt or rebuilding your finances after bankruptcy, you’ll need to make […]

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Bankruptcy Dismissal With and Without Prejudice

Bankruptcy is a complicated process, and simple errors could lead to your case being dismissed. Oftentimes, missing information or documentation are the primary causes of a case being dismissed. When I am working by your side, I’ll make sure that all the paperwork is complete and organized. The court trustee will be able to review […]

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Chapter 9 Bankruptcy

Over the last couple of decades, more people than ever have become familiar with bankruptcy.  Some because they know a friend or family member who has had to seek relief through bankruptcy, others because they have had to file for bankruptcy themselves.   Bankruptcy exists not only for people but also for businesses and city […]

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What is Chapter 11 Bankruptcy?

If you’re a business owner, you always need to have your eye on the economy and also know your customer base to tailor the goods and services you offer.  Sometimes, despite these efforts, your business can begin to suffer financially and fall into excessive debt. There may be some things you can do to get […]

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Chapter 12 Bankruptcy: Family Farmer

Despite recent rains, the drought on the West Coast has continued for several years. The snow pack can take several seasons to rebuild, and groundwater can take even longer. We’re all doing what we can to conserve water in our homes, and some reductions are even mandatory. Farmers feel the biggest impact of this restriction […]

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Will I Lose My Home If I File for a Chapter 13 Bankruptcy?

 Being in debt has been described as a snowball rolling downhill and gathering mass as it goes. For some of us, it feels more like an avalanche. It usually starts out slow where you can’t quite make a payment. Next thing you know, you haven’t paid your mortgage in months and you have no idea […]

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