Bankruptcy is created by Federal Law exclusively. Bankruptcy laws were the subject of ongoing attempts of revisions since the late 1990s. In 2005, Congress passed revised bankruptcy laws, signed by then-President Bush, in an attempt to reduce what was perceived as abuses in filing. The revised laws effectively created more paperwork and potential stumbling blocks to filing, though the primary concept of bankruptcy filing was unchanged. The primary Chapter 7 liquidation process, and a debtor’s ability to protect assets was not changed. A person filing a bankruptcy case after October 17, 2005 encountered more difficulty in procedures and in the preparation of the case. It’s important to consult with an attorney who has been practicing bankruptcy prior to the October 17, 2005 changes in the law. The attorney staff at the Law Offices of Conlon & Fong has been in practice for more than 14 years each, and has been in bankruptcy practice long before the 2005 bankruptcy revisions.

If you have fallen behind on your bills and are being harassed by creditors contact a bankruptcy lawyer in Sacramento Tom Conlon at (916) 971-8880 to see if you qualify to file bankruptcy and get a new fresh start.