- Chapter 13
- Chapter 13Posted 447 days ago
Most consumers in California file for Chapter 7 or 13 bankruptcy.
Chapter 13 bankruptcies differ from Chapter 7 in that they involve a repayment of certain debts depending on the debtor’s ability to repay.
In a chapter 13 bankruptcy, the debtor’s income and expenses are analyzed using the means test and a determination regarding the debtor’s disposable monthly income is made. Once it is concluded how much, if…
- Chapter 7
- Chapter 7Posted 447 days ago
In California it is most common for consumers to file for either Chapter 7 or 13 bankruptcy.
Chapter 7 Bankruptcy, also referred to as liquidation, is a process by which people eliminate unsecured debt, while liquidating all unexempt assets.
Unsecured debt is any debt that is not secured by a lien on an asset (i.e. homes and cars). This debt is commonly in the form of credit…
- Life After Bankruptcy
- Life After BankruptcyPosted 453 days ago
When considering bankruptcy, it is natural to worry about how your credit score will be affected after the bankruptcy is complete.
While the bankruptcy may officially stay on a credit report for up to 10 years, many former clients relay that they are quickly offered new credit soon after the process is complete. As a matter of fact, many people just like you find their credit…
- Understanding Bankruptcy
- Understanding BankruptcyPosted 453 days ago
Bankruptcy can be a frightening experience... And there's nothing worse than feeling like you're going through it alone, without a plan or sense of clear direction.
You are creating a New Chapter in your life, and we are here to help you make sure you get a clean start! Our skilled attorneys have years of experience that you can rely on. We can help counsel, guide and…
Life After Bankruptcy
Life Can Be Better After Bankruptcy!
When considering bankruptcy, it is natural to worry about how your credit score will be affected after the bankruptcy is complete.
While the bankruptcy may officially stay on a credit report for up to 10 years, many former clients relay that they are quickly offered new credit soon after the process is complete. As a matter of fact, many people just like you find their credit scores are better 6 months after discharge than before they began the bankruptcy process.
The truth is that banks know debtors can only file once every several years and are therefore less worried about offering credit since it can not be easily discharged.
While people are still afraid of the negative stereotypes associated with bankruptcy, the truth is it is a decision that can drastically improve the quality your life.
Filing Chapter 11, Chapter 7 or Chapter 13 bankruptcy offers the possibly of a fresh start without worries about debt or harassment.
Because of this, we strongly advise you to make an appointment for a FREE consultation to get more information from an attorney. It could be a consultation that changes your life!
Understanding Bankruptcy
Bankruptcy can be a frightening experience... And there's nothing worse than feeling like you're going through it alone, without a plan or sense of clear direction.
You are creating a New Chapter in your life, and we are here to help you make sure you get a clean start! Our skilled attorneys have years of experience that you can rely on. We can help counsel, guide and support you through all aspects of the bankruptcy process.
Our team has counseled many satisfied clients... People just like you, who have gone through the bankruptcy process, received their discharge and gone on with their lives worry free.
The recession has caused financial and emotional strain on people throughout the country, and many people just like you are struggling to pay their bills or even keep their homes. We are committed to helping our clients successfully discharge their debt, keep their assets and get back on track.
We offer a professional, friendly staff who will provide you with a free 30 minute consultation to help you decide if Bankruptcy is right for you. Meeting with one of our experienced attorneys can be a decision that changes your life for the good!
Bankruptcy can help you:
- Eliminate Credit Card Debt, Personal Loans & Cash Advances
- Remove 2nd and 3rd Mortgages From Your Home
- STOP Foreclosure
- END Wage Garnishments
- STOP Lawsuits
- Rebuild Your Credit Quickly
If you're struggling with mountains of debt, facing foreclosure, being sued or harassed by creditors or just finding it hard to pay monthly bills then bankruptcy may be your solution.
While some people are afraid of the stigma attached to bankruptcy, the truth is that a competent attorney can help quickly guide you through the process, help you keep all your belongings, and rid you of all your debt and worries for good.
Contact us today to set up a 100% FREE consultation with one of our experienced bankruptcy attorneys to determine if filing for bankruptcy is right for you!