Business Details
10 Years
experience
Emergency
services
Your Trusted Bankruptcy Attorney in Fresno, CA
At the Law Office Of Jerry R Lowe, we specialize in providing compassionate and effective bankruptcy solutions tailored to the unique needs of individuals and families in Central Valley, California. With over seven years of focused experience in bankruptcy law, our team understands the emotional and financial toll of overwhelming debt and is committed to helping clients regain control of their lives. We offer personalized legal strategies, including Chapter 7 and Chapter 13 bankruptcy options, designed to eliminate or restructure debt while preserving essential assets.Our practice emphasizes transparency, affordability, and ongoing client education, including guidance on post-bankruptcy credit rebuilding. Available 24 hours a day, seven days a week, we ensure clients receive timely support and clear direction throughout the entire legal process.
Services
Bankruptcy Consultation
Chapter 7 Filing
Chapter 13 Reorganization
Credit Rebuilding Guidance
Asset Protection Planning
Details
- Year established: 2016
Highlights and features
- We offer 24/7 availability for urgent financial concerns
- Our team creates customized bankruptcy plans for each client's unique situation
- Affordable flat-rate fees with flexible payment options
- Specialized expertise in post-bankruptcy credit rebuilding strategies
- Proven track record helping Central Valley residents since 2016
What people say
Friendly and helpful staff
Regular case updates
Personalized attention
24/7 availability
Effective debt solutions
Services
Chapter 7 Bankruptcy
Chapter 7 bankruptcy eliminates unsecured debts through asset liquidation while protecting essential property. This fresh start option stops creditor harassment and wage garnishments immediately. Our experienced attorneys guide clients through the process to ensure maximum debt discharge while maintaining compliance with California bankruptcy laws.
Chapter 13 Bankruptcy
Chapter 13 reorganizes debts into manageable monthly payments over 3-5 years. This option helps clients retain property while reducing unsecured debt obligations. We create personalized payment plans that meet court requirements while addressing individual financial circumstances, including mortgage arrears and vehicle loan modifications.
Credit Rebuilding
Post-bankruptcy credit rebuilding services help clients restore financial standing within 18-24 months. We provide actionable strategies for establishing new credit responsibly while avoiding common pitfalls. Our guidance includes secured credit card recommendations and credit report monitoring techniques to ensure accurate debt discharge reporting.
Asset Protection
Asset protection planning safeguards valuable property during bankruptcy proceedings. Our strategies include legal entity structuring and trust arrangements that comply with California exemption laws. We advise on both domestic and offshore protection methods while emphasizing cost-effective solutions tailored to each client's risk profile.
24/7 Legal Support
24-hour legal assistance ensures immediate response to urgent financial matters. Clients receive priority access to attorneys for crisis situations like impending wage garnishments or property seizures. Our round-the-clock availability provides peace of mind during the critical pre-filing period when timely action can prevent further financial damage.
People
Jerry R. Lowe
Attorney at Law
Jerry R. Lowe has specialized in bankruptcy law for over seven years, helping Central Valley residents eliminate debt and rebuild financial stability. He personally oversees each case, providing direct communication and personalized legal strategies while maintaining 24/7 availability for client emergencies.
Questions
What's the difference between Chapter 7 and Chapter 13 bankruptcy?
Chapter 7 eliminates unsecured debts through asset liquidation, while Chapter 13 reorganizes debts into a 3-5 year payment plan. The choice depends on income, debt type, and property ownership.
Will bankruptcy stop wage garnishment immediately?
Yes, filing for bankruptcy triggers an automatic stay that stops wage garnishments the same day we file your petition, with most garnished funds recoverable.
Can I keep my home and car during bankruptcy?
Yes, California bankruptcy exemptions typically allow debtors to retain primary residences and vehicles when continuing payments, with Chapter 13 offering additional protection options.
How does credit rebuilding work after bankruptcy?
We provide step-by-step guidance for responsible credit rebuilding, including secured credit card recommendations and credit report monitoring to achieve 600+ scores within 18-24 months.
Are payment plans available for legal fees?
Yes, we offer flexible payment plans for both Chapter 7 and Chapter 13 services, allowing full payment before petition filing to expedite case processing.
Is 24/7 support available for urgent cases?
Our office provides 24-hour emergency availability for critical situations like imminent property seizures or wage garnishments requiring immediate legal intervention.
