California bankruptcy attorney

Chapter 7 Law Offices by Zhou and Chini, a bankruptcy law firm in California. We specialize in performing Chapter 7 Bankruptcy cases in California, California Bankruptcy Attorney so we know and understand what you are going through. Stop stressing over your financial hardship and begin the process of debt relief. Protecting your rights is what we do, we know the laws and are committed to helping you see your way out of financial hardship. Take control, get back on track so you can move on with your life. California Bankruptcy Attorney

About Us

Experience
The Law Offices of Zhou & Chini was co-founded by James Zhou. He is a graduate of UCLA and has been practicing law since 1999. Mr. Zhou has a wealth of experience in Bankruptcy, Civil Litigation, Family Law, and Unlawful Detainers. Attorney Zhou has trial experience in Criminal Law, and Probate Matters. He was also on the California Bankruptcy Attorney conflict panel of criminal defense attorneys in the County of San Bernardino which is the equivalent to the public defender’s office. At this time, in line with the firm’s specializations, Mr. Zhou has experience with Chapter 7, Chapter 13, and Business Bankruptcy 11. His experience and knowledge of vast collection matters, Bankruptcies, avoiding Foreclosures, and Unlawful Detainers.

Cost
Our fees start at $1495.00 (not including filing fees), for basic Chapter 7 petitions. We are consumer advocates and strive to be low price leaders for chapter 7 bankruptcy matters. We believe in providing high quality legal service at a low price for our clients. We do not believe in overcharging clients who are struggling financially, often times adjusting and lowering our fees to accommodate our clients current financial situation.

Our Promise
We really care about you and will always provide you a FREE 30 minute consultation directly with an experienced attorney. We will listen carefully to your California Bankruptcy Attorney needs and utilize our legal knowledge and expertise to help you achieve your goals. We will always refund our attorney fees if your case is dismissed without discharge through no fault of your (Chapter 7 Cases). We will contact your creditors immediately.

Actual Attorney
Our experienced attorneys will take your case from beginning to end, and will not hand it over to a “paralegal.” Whether you are in financial or criminal trouble our attorneys are available to you 7 days a week. We will never leave you in the cold.

Convenience
We serve the entire state of California and practice in all districts for bankruptcy matters. Our attorneys are on call 24/7 to meet your immediate needs. Your petition can be handled completely remotely and in most instances by fax and phone. For criminal representation we focus mainly in Los Angeles, Orange, Riverside and San Bernarndino Counties.

Melbourne mortgage, Conveyancing, loan

Buying off-the-plan real estate is often pitched by marketers as a "win win investment" But, how safe is buying property sight unseen? Leading Melbourne Mortgage Broker What If We Finance provide some advice below for you to consider.

Certainly people have made great returns buying real estate before it is completed. Some have on-sold their properties at a good profit before ever having to settle, but these are usually more exclusive properties close to major cities, where demand is strong.

There have also been many instances of people paying far more for an off-the-plan property at settlement than they could hope to attain in the prevailing market. Melbourne Docklands apartments, where oversupply drove down prices, are a prime example of where this happened.

Buying off the plan is undoubtedly a leap of faith and the dangers are twofold.

First, you have to believe that the property you can only see on a plan will eventuate exactly as specified within a certain time. If, like most of us, you do not find it easy to envisage exactly what you will get, it's probably worth getting help from an expert. Even if there is a display suite, it may not be truly representative of the finished product.

One service you could consider is from a building inspection service such as Archicentre, the building advisory service of the Royal Australian Institute of Architects, which provides advice on plans. These reports include things like an opinion on whether the rooms are of a reasonable size, the quality of the fixtures and fittings and the layout.

When building is completed, before you fork out your money to settle, Archicentre can conduct a practical completion inspection, including checks of the area of the building against the plans, confirmation that the promised fixtures and fittings have been included, and comments on the overall standard of the building.

Other precautions you should take include as advised by Melbourne Mortgage Broker What If We Finance include: * Only buy from developers with a good reputation and whose work you can see.

* Make sure every detail is specified in the contract, including fixtures and fittings -- for example, not just a stainless steel oven, but a particular brand and model.

* The second major pitfall relates to price. It's difficult to establish whether the asking price is fair when there are no benchmarks. "Buy tomorrow's real estate at today's prices" is the spiel of the marketers. That assumes property prices always rise, which of course is not the case. For example, if you bought a unit off the plan three years ago in Sydney's outer west and are settling on it now, it is likely to be worth less than you are paying.

* With investments be very suspicious of rental guarantees, which can be used to set artificially high prices. For example, if gross rental returns are 10 percent in an area and the vendor guarantees a $400 a week rental, that would price a property at $208,000. But say that market rent is really $350 a week, meaning it's only worth $182,000. If you fall for this, you would pay 12.5 percent above market. The vendor only has to pay $5000 to guarantee the extra rental for two years and score an extra $26,000, or $21,000 net.