Debt Reorganization, Debt Restructuring and Debt Consolidation

The Cavada Law Office represents clients who are interested in debt reorganization and debt consolidation. It represents both individual and business clients. The attorneys handle a variety of cases for debtors, including clients who have problems with child support payments, medical bills, car and auto loans, mortgage payments, back taxes and credit cards. They do not represent creditors, so you know that you can trust our advice.

Business Organization and Bankruptcy Law

Financial difficulties can affect anyone. While your income may slow down or stop, the bills keep coming in. Depending on your situation, you may choose to file for Chapter 7 bankruptcy or "straight" bankruptcy, in which most of your debts are eliminated. Alternatively, you could file under Chapter 13, in which you pay all or most of your debts over a period of time with oversight from the Bankruptcy Court. Business owners may be interested in Chapter 11, which gives businesses an opportunity to reorganize.

Whichever is best for you, we can help you make the right decision. We handle a variety of cases, including collections and repossessions, commercial bankruptcy, consumer bankruptcy, creditors' rights, debt discharge, foreclosures, closely held businesses (sole proprietorships), corporate governance and formation and business planning.

Bill Consolidation

You owe it to yourself to discuss your situation with a lawyer before you make a bill consolidation loan. Consumer finance companies who advertise "bill consolidation loans" are not stupid. They know that anyone who is looking for a loan to pay other bills is already in trouble. Because of the higher risk, they will charge higher interest rates to cover their potential losses, which causes the consumer to sink farther into debt. The Cavada Law Office can advise you on how to consolidate bills the right way, so that you can stay on top of your bills, and out of debt.

Taxation law

As the Internal Revenue Service makes changes to the tax code, it gets harder and harder to understand. The Cavada Law Office can help you sort through complex tax code. The attorneys can show you how to avoid the pitfalls and seize the opportunities. They are experienced and knowledgeable, and work hard to resolve tax disputes. We handle a variety of taxation cases, including corporate taxation, income taxation and property (ad valorem) taxes. If you have a concern about personal or business taxes, call today to plan for the future and start saving money.

IRS Collections

Most people associate their experiences with the IRS with the worst pains in life. The Cavada Law Office can help ease the grief and annoyances of IRS collections. We can help you navigate the unwieldy ACS system, and be that needed buffer between you and collections representatives. Don't be intimidated by tough talk. If you feel that an ACS staffer has threatened you, chances are that they have overstepped their bounds. Call today to learn more about the protections you are entitled to.