Bankruptcy & Non-Bankruptcy Services

As the managing attorney of DeGuzman Law, Christian D. DeGuzman understands that dealing with debt and creditor collection efforts can be very stressful. For over a fifteen years, Attorney DeGuzman has dedicated his practice to helping clients overcome debt. Whether you are facing a foreclosure or repossession, a judgment, garnishment, bank levy, harassing phone calls from a creditor or collection agency, a tax lien, whether you are past-due on child support or spousal support, or whether you simply want to improve your credit with a “fresh start”, DeGuzman Law’s debt relief and bankruptcy legal clinic will provide you with tailor-made solutions designed to address your specific financial problem.

The following is a comprehensive list of DeGuzman Law’s services, which include but are not limited to:

• Chapter 7 Full/Liquidation Bankruptcy

• Chapter 13 Reorganizations/Debt Restructuring

• Non-Bankruptcy Debt Settlement

• Non-Bankruptcy Debt Payment/Consolidation Plans

• Foreclosure Defense 

• Repossession Defense

• Short Sales Negotiation

• Mortgage Loan Modification Assistance 

• Credit Report Repair

Attorney DeGuzman also specializes in resolving Internal Revenue Service (IRS) tax debt and tax liens, state tax liability, personal property taxes and bridge/toll violations.  If you owe the IRS, call us now.  

*Contrary to popular belief, many debts owed to federal, state and local government agencies are dischargeable in bankruptcy.  These include but are not limited to: Social Security Administration (SSA) benefit overpayments, unemployment benefit overpayments (VEC), Bridge/Tunnel Tolls Violations, etc.

*Also, while some income tax debt owed to the IRS or state tax entity are non-dischargeable in bankruptcy, there are exceptions to this general rule.  If you owe the IRS, call DeGuzman Law today at (757) 333-7336 or fill out the short intake form below for a FREE consultation.