Our firm assists our clients with debt relief under the Bankruptcy Code. This firm is a federally designated DEBT RELIEF AGENCY as defined in the 2005 amendments to the US Bankruptcy Code. The choice of a lawyer is an important decision and should not be based solely on advertisements.

This web site my be construed as an advertisement under the California State Bar Rules and is not in any way intended to solicit clients for matters outside the State of California. The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. This firm utilizes a written contract for each client and only represents you if you and firm signs a written contract of representation and you pay the firm a retainer in advance for the bankruptcy legal services rendered.

Debt Relief Agency Notice

Moses A. Cohen & Associates, P.C., DBA Moses A. Cohen, Attorney at Law is a federally defined Debt Relief Agency. You have contact us by visiting this website, www.mosesacohenesq.com or by phone us regarding inquires regarding your rights and obligations under the bankruptcy laws of the United States of America. We only represent parties throughout the State of California.

A discharge in bankruptcy will make credit card, medical and certain other types of unsecured debts, permanently unenforceable against debtor, so that the debtor will typically never have to pay those discharged debts, and the creditors in which you owe cannot phone you, write you, sue you, garnish your wages, or take any other act ever again to try to collect the discharged debt from you. "Credit Counseling", "credit card payment plans" and "debt management" do not give the debtor a right to seek a discharge of debt. Only by filing bankruptcy in the US Bankruptcy Court does an individual have a right to seek to discharge of debt.

This firm will only represent you if a written contract for bankruptcy legal service is entered into, and signed by you and by the firm, and you meet all of the requirement within that written contract. Section 527 of the US Bankruptcy Code requires a Debt Relief Agency to provide an assisted person with the following information:

1. A Notice per 11 USC Section 342(b), which is attached at the end hereof and contains:

(1) a brief description of (A) Chapters 7, 11, 12, and 13 and the general purpose, benefits, and costs of proceeding under each of those chapters; and (B) the types of services available from credit counseling agencies; and (2) statements specifying that (A) a person who knowingly and fraudulently conceals assets or makes a false oath or statement under penalty of perjury in connection with a case under this title shall be subject to fine, imprisonment, or both; and

2. THE FOLLOWING DISCLOSURES ARE REQUIRED BY 11 USC SECTION 527(a)(2):

(A) all information that the assisted person is required to provide with a petition and thereafter during a case under this title is required to be complete, accurate, and truthful; (B) all assets and all liabilities are required to be completely and accurately disclosed in the documents filed to commence the case, and the replacement value of each asset as defined in section 506 must be stated in those documents where requested after reasonable inquiry to establish such value; (C) current monthly income, the amounts specified in section 707(b)(2), and, in a case under Chapter 13 of this title, disposable income (determined in accordance with section 707(b)(2)) are required to be stated after reasonable inquiry; and (D) information that an assisted person provides during his or her case may be audited pursuant to this title, and failure to provide such information may result in dismissal of the case under this title or other sanction, including a criminal sanction.

If you have any questions about any of these disclosures, we will be happy to provide further explanation.

3. Additional disclosures are required by 11 USC section 527(b), and are sent to you herewith as a separately captioned document titled "Disclosures Required by 11 USC Section 527(b)". Please click here for Debt Relief Agency Disclosures Required by 11 USC section 527(b).