• Eliminate ALL debts, except those that the Federal Government has specifically deemed "non-dischargeable." 
  • Puts an immediate halt to wage garnishments and bank levies
  • Prevents repossessions, and forces companies that repossessed vehicles or other property to return it.
  • Allows you to keep most property such as cars and vehicles as long as you are current on your payments.

The Advantages of Filing Chapter 13 Bankruptcy

  • Eliminates or pays off ALL debt, except those that the Federal Government has deemed "non-dischargeable" by the end of the payment period. 
  • Pay off auto-loans by the end of the bankruptcy period.
  • Puts an immediate stop to foreclosure sales of property
  • Puts an immediate halt to wage garnishments and bank levies
  • Pays off arrears on the home mortgage.
  • Prevents repossessions, and forces companies that repossessed vehicles or other property to return it

Why should I Hire Scott Lyons to be my Attorney?

With over three decades of legal experience, Attorney Scott Lyons is able to analyze and handle any issue that may arise in your case, however complex.  Further, both Scott Lyons and Louis Lyons care about the troubles and concerns of their clients.  All clients are treated as individuals and are not simply handled in an assembly-line manner.  At the office of Scott Lyons Attorney at Law, your troubles are our concern. 

Your Attorneys

Scott Lyons & Louis Lyons

Scott Lyons has been practicing Bankruptcy Law for more than three decades and has filed and seen thousands of cases to successful completion.  Mainly focusing his practice on Bankruptcy Law in Visalia, Scott Lyons brings his many years of experience to bear on every case that he takes.

In May of 2012, Scott Lyons brought his son Louis Lyons into the practice to work with him.  Together, both attorneys work to ensure their clients achieve their financial fresh start.

The main advantage of Chapter 13 Bankruptcy is that it provides stability.  You simply make a monthly payment based on your earnings and the amount of property you have.  By filing for Chapter 13, you can do the following:

The main advantages of Chapter 7 Bankruptcy are that it eliminates a massive amount of your debt in a limited amount of time.  Chapter 7 Bankruptcy is a relatively quick and straightforward process, that generally takes a few months from start to finish.  By filing Chapter 7 Bankruptcy, you can do the following:

I think Bankruptcy Might be a Good Option For Me.  Which Chapter should I file under?

If you are in severe financial straits, it is important to consult with an attorney to determine whether bankruptcy is a good option for you, or whether there are better non-bankruptcy alternatives.  Every person's case is different and needs the particular attention that a seasoned attorney can provide.  At the office of Scott Lyons, Attorney at Law, we work with our clients to provide them the best advice and ensure that they make the most beneficial choices to address their financial problems.

Chapter 13 Bankruptcy "Debt Consolidation"

Chapter 13 is also known as “reorganization” or “wage-earners payment plan”, or “consolidation.”  This is not a standard liquidation bankruptcy, which is the above-noted chapter 7. If your income is determined to be too high for a Chapter 7 procedure, but you are facing foreclosure on your home, auto repossessions or tax debts, Chapter 13 can help give you some breathing room.  Nearly all debtors who file Chapter 13 keep their assets. This may also be the best option for joint husband/wife filings.  Chapter 13 is a reduced repayment plan that allows you to pay all, or some, or hardly any of your bills and stops all attempts to attach your property or garnish any of your wages.  Chapter 13 even stops the I.R.S. and State Tax Agencies from taking your money.

Chapter 7 Bankruptcy "Debt Liquidation"

If you are being crippled by high credit card debt, personal loans, payday loans or medical bills, Chapter 7 may be a way for you to rid yourself of those debts. Also known as “liquidation,” “debt wipe-out” or “fresh start,” Chapter 7 cases are typically resolved 4 months after the filing date. You will receive a Bankruptcy Discharge and your obligation to the discharged debts will be over.  Together, we will determine if filing Chapter 7 is the best option for you.

Bankruptcy Lawyer In Visalia - Fresno - Hanford - Porterville

Is Bankruptcy Right For Me?

Are you drowning in debt?  Can’t make your car or mortgage payments?  Is your home at risk of being taken through foreclosure?  Are your wages being garnished?  Do you need to protect your vehicles from being repossessed?  Are you a victim of legal judgments or tax liens?  Are creditors harassing you day and night?

If your financial situation seems hopeless, do not despair.  Bankruptcy may be your best option.   For most individuals, there are two forms of Bankruptcy:  Chapter 7 Bankruptcy for debt liquidation, and Chapter 13 Bankruptcy for debt consolidation.  Both are avenues that the Federal Government has provided so that people in dire financial situations can obtain their fresh start.

How Much Would it Cost to Hire an Attorney to Represent Me?

Each person is charged based on how much work the attorney is expected to do on a particular case, so there is no "one-size-fits-all" cost for attorney's fees.  However, the attorneys at the office of Scott Lyons Attorney at Law are aware that people filing for bankruptcy are in financial difficulty, and make the effort to keep legal expenses as affordable as possible for their clients.  Those fees will be quoted at your First Free Consultation. 

​Call Today: (559) 636-8122

The Advantages of Filing Chapter 7 Bankruptcy

Since the passage of the 2005 Bankruptcy Laws, filing for bankruptcy has become an even more complex and taxing process than it was before.  It is imperative that you have an attorney who is experienced and knowledgeable of these changes, and who can work with you to get through the bankruptcy process.  Scott Lyons and Louis Lyons are just such attorneys for you.