Hurdles of New Bankruptcy Laws Can Be Overcome by Focusing on Quick Case Analysis

April 8, 2011 - PRLog -- Sacramento, CA – [04/08/2011]
“We filed a case to stop foreclosure with Chapter 13 and we stopped repossession of a car with Chapter 7.”  His list of missions accomplished flows easily, as it would for anyone who is committed to helping people solve their financial problems.  “With a Chapter 13 plan, the client can catch up on arrears that they owe and possibly strip the second mortgage.”  Talking with Kaushik Ranchod, bankruptcy attorney serving California’s Sacramento areas such as Rancho Cordova, Elk Grove, and Fair Oaks, is talking with a man on a mission.  

And his mission is to take action in the specific area of consumer debt where people are hurting the most, which is typically helping “individuals who have had their car repossessed or owe thousands in credit card and medical bills.”  Since the bankruptcy laws of October 2005 made bankruptcy filing more complex in respect to both attorney and debtor obligations, and in order to obtain the fastest, most cost-effective use of attorney time, Kaushik knew success depended on everyone’s ability to focus and act quickly.  And this he did by committing attention to:

1)   Expertise and success in applying the debt relief options of Chapter 7 and Chapter 13 bankruptcy, providing more than just a “fresh start” [a process which may take months], but he focused on immediate relief for individuals.  Families should not and need not feel at the end of their rope regarding credit card debt, medical bills, second home mortgages, and car loans.

2)   Immediate action in tackling specific details on a case by case basis.  This requires a thorough review of each client’s situation.  In order to do this with full focus and attention, Kaushik says, “we do not review client documents unless we are retained to prepare their case.”  Of course there’s no charge for the initial consultation because it doesn’t take much more than 15 minutes for both attorney and client to know whether they are a team that can make the touchdown.  But decision, action, and results are the focusing factors.

3)   Working as a team from the beginning.  Lawyers and staff at Financial Freedom Law work together at every step with the client.  “We believe in educating our clients and have provided articles on Chapter 7 bankruptcy (http://www.california-bankruptcyattorney.com/chapter-7-ba...) and Chapter 13 bankruptcy (http://www.california-bankruptcyattorney.com/chapter-13-b...) on our website.”  Visitors are invited to download a free Special Report from Financial Freedom Law’s website.  Also, Kaushik’s blog contains frequent posts since “We strive to keep clients abreast of the latest bankruptcy-related issues, so our blog is truly a web log of things to know about bankruptcy.”

Understandably, in order to make these services cost effective, he had to limit his practice to obtaining a discharge of clients' debts: means he doesn’t provide coaching for clients who want to represent themselves or want him to take on partial representation of their case.  
In order to provide ready channels of communication, there are paralegal and secretarial support staff in place to complete the legal team.  

The bottom line is service to improve the client’s bottom line: “We strive to provide excellent client service.  Financial Freedom Law is not about a high volume of cases, but it is personalized service with a focus on maximizing our client‘s financial freedom.”

For more information, please visit: http://www.california-bankruptcyattorney.com

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Financial Freedom Law is a bankruptcy law office in Sacramento, that handles Chapter 7 and 13 bankruptcies. Their offices are located at 8880 Cal Center Drive, Suite 400, Sacramento, CA 95826.