The Alfred M. Sanchez law firm practices in the areas of personal injury, bankruptcy, probate, collections, business and corporate law.

I have been an attorney for over 20 years. I have a Finance Business degree from UNM Business School and I am the past President of the State Bar Bankruptcy Section.

I am a Federal Debt Relief Agent and I help people file for Bankruptcy; I take my time to get to know your situation and work closely with you to handle your case professionally, timely, and accurately.

• I have, for over 20 years, worked in criminal law, civil law and administrative law. I handle social security work, family law and workers' compensation claims.
• I have been involved with Fair Debt Collection (FDCPA) and Consumer Rights from the first years of enactment and I have litigated scores of these cases in federal court.
• I have over 20 years of experience with collections.
• I have over 20 years of experience in Bankruptcy Court.
• I have been involved in commercial litigation in both federal and state court.
• I have represented hundreds of small businesses in small business disputes.
• I have a long history of successful litigation and of commercial practice.
• I give personal attention to my clients with prompt and quality legal services.

Bankruptcy is a legal process that provides relief to many individuals who can no longer pay all of their debts. Please take an opportunity to review these eight video presentations from the U.S. Courts by clicking on the appropriate link below.

• Introduction
• Types of Bankruptcy
• Limits of Bankruptcy
• Filing for Bankruptcy
• Creditors' Meeting
• Court Hearings
• The Discharge
• Legal Assistance

The recently enacted "American Recovery and Reinvestment Act of 2009" contains a wide-ranging tax package that includes tax relief for low and moderate-income wage earners, individuals and families with college expenses, and home and car purchasers. I have written an overview of the more widely applicable tax changes affecting individuals and families in the new law. Click here to see this information.

Job loss? Medical bills? Credit cards?

In my 20 years of being a lawyer, those are the most common causes of Chapter 7 filings.

If you have those problems, or short on "cash flow" for any other reason, you are welcome to call my office for a free office visit.

We will discuss:
1. Your bills.
2. Your paycheck.
3. Your assets, the Homestead Exemption, Vehicle Exemptions, Pension & 401k Exemptions, and other Exemptions under federal or state law.

Still with me? The first visit is at no-charge and all meetings with me are protected by the "Attorney-Client privilege."

Not sure? You can put your debts into this calculator to determine how long it will take for you to pay the bills in full at www.bankrate.com.

Finally, just because you come in to discuss your debt situation with me, that does not mean that you are required to file. You have the right to find out what your legal rights are under the Federal Law.

Update: the mortgage and economic crisis has made its way to Albuquerque, and this is the most common concern from recent callers. If you "want out" of this mortgage mess or if you are in a foreclosure, we can discuss this as well.

Debt? Here is a partial list of debt that will be subject to discharge by the US Bankruptcy Court:

• Bank loans
• Credit union loans
• Pay-day loans
• Title loans
• Credit card
• Personal Guarantees of business debt
• Garnishment
• Medical bills
• Hospital bills
• Lawyer bills
• Line of credit loans
• Signature loans

• State Courts in New Mexico
• Probate Courts Statewide
• USDC for New Mexico
• 10th Circuit Court of Appeals