M.J. Shanahan & Assoc. Inc. - Living with debt is like living in Hell!
                                    About Us
 
 What We Do and Where! 
 
    M. J. Shanahan & Associates, Inc.  dba Totaro & Shanahan is a law firm servicing counties from Sacramento to Orange County. We represent persons and businesses in Chapter 7, 11, 12 and 13 procedures. We are licensed to practice bankruptcy in California,s. 
 
Who We Are! 
 
     Michael R. Totaro and Maureen J. Shanahan are both graduates of Hastings College of the Law, a top tier law school in San Francisco. The partners each completed a Master of Laws program at George Washington University, The National Law Center in Law, Psychiatry and Criminology. The firm has been in existence since February 1983. 
 
Our Bankruptcy Practice! 
 
     In bankruptcy court we only represent debtors and are unique in three respects: 
 
Our Services! 
 
     First, an attorney will come to your home to prepare the initial paperwork at a time that is convenient to you, including evenings and weekends. There is no additional fee for this service.  When you call you will talk directly to an attorney, not a staff member. This means you get correct information immediately. 
 
     Second, except for administrative matters, such as collecting documents, each client will only interface with an attorney, not a secretary or paralegal. This means that you can rely on any advice given and every step of the procedure will be fully explained as it pertains to you. 
 
     Third, we generally work on a flat fee basis for all filings. This means you will know up front exactly what you will be spending for any filing for one of the above chapters, including some individual  Chapter 11 cases which we handle at a fraction of the cost of other firms. 
 
     Fourth, our cases obtain a discharge or are confirmed. Approximately 90% of the Chapter 13 cases are dismissed. About 80% of ours are approved. Only a fraction of the Chapter 11 cases are confirmed. We have filed over 137 Chapter 11 cases and have achieved what our clients wanted  in 123 of them because our clients do what we ask them to do. 
 
     Fifth, while our fees are comparative to any law firm our service is far superior in that we are available by phone from 8:00 a.m. to 8:00 p.m. every day including weekends. When you call you will speak directly to an attorney and you will have the personal cell number of the attorney who is handling your matter. 
 
What Types of Bankruptcy Proceeding Do You Need? 
 
    The product link will give you a summary of each of the primary Chapter filings. You should review all but in particular the ones that fit your particular situation. Here is a guide: 
 
     If you only want to discharge credit cards, consumer loans, non secured lines of credit or deficiencies from repossessions you should review the Chapter 7 link and follow up with questions.
 
     If you own property and are behind in payments, or have an equity line of credit and your property is worth less than what you owe on the first mortgage, and you want to  keep the home you should review the Chapter 13 link and call us to discuss how the facts apply to you. 
 
     If you own rental properties you want to keep or own a business you want to reorganize you should review the Chapter 11 link and then call to discuss your specific problems. 
 
 Other Areas of Our Law Practice! 
 
     In addition to our bankruptcy practice we have extensive experience in appellate matters having been counsel of record in over 1200 appeals since 1983. The firm has represented clients on appeal in every appellate court in California, the Ninth Circuit in California, the Federal Circuit in Washington, DC, the Fourth Circuit in Virginia, the Fifth Circuit in Texas, the Court of Trade in New York and the Bankruptcy Appellate Panel. We are also licensed to practice before the United States Supreme Court.
 
Now It Is Up To You! 
 
     Stop procrastinating!!! Call us to discuss your particular problem. Remember you will only talk to an attorney so you can rely on the advice. We never charge for phone consultations. All bankruptcy costs are included in our fee quote.

     Finally, review the links to problems potential clients have had who did not follow our advice or who did not retain our services once we consulted with them. It is astounding how, after asking for advice, people let their own personalities prevent them from following what they asked for.

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