What types of debt are NOT discharged through Chapter 7 bankruptcy?

I just wanted to take a minute to congratulate you on the job well done. During the last 2-3 years I have been referring you my clients for your company to handle the closing, and I have to tell you that you and your staff have gone far and beyond every single time. Getting a contract singed is probably the easier part during the closing process. From ordering title to getting a clear title, from taking the initial from me or my client to getting the last call from you telling us that we a…

Ray Garcia is a wonderful, professional Attorney, and a great human being. Courteous and friendly staff. Has helped both friends, family, and clients. Will always do the best he can for you and guide you in the right direction. Thank you always.

I hired the Law Office of Ray Garcia to represent me in the defense of my foreclosure and to modify my loan terms. They modified my loan and my foreclosure was dismissed. I would recommend the Law office of Ray Garcia if you are faced with a similar situation.

I just wanted to take the time out to thank you all for all the years of hard work you have done for me and my family!!!! It’s finally over, we closed today and I’m free!!!!!! I got me a little bonus from the bank. I’m renting a very small place with my daughter, and my son bought a home. What a happy ending. I will miss you guys!!!! Almost 7 years and what a happy ending!!!! What a stressful time for me and now I feel I can live again….love you all and thank you.

Ray Garcia and his office have done an amazing job for my real estate clients and for friends and family I have referred to him. He is the master when it comes to negotiations looking after the best interest for his clients.

I have used Ray Garcia on several real estate issues in the past and he is always very professional, and resolves my issues in a timely manner. [in a separate case] After the economy collapsed and I found myself loaded with debt and no work to pay it off, Ray Garcia listened to me, gave me great advice, and helped me through the entire bankruptcy process.

I want to thank you for the great work and time you put into this case. Representing anybody is a challenge and certainly representing an attorney doubles that challenge. Given the case where that attorney was me, I would say that perhaps quadrupling the challenge! I think you did an outstanding job for Brian and thus me.