Bankruptcy Debt Relief

Bankruptcy Debt Relief (Chapter 7 & Chapter 13)

We’ll be glad to help you determine whether a Chapter 7 or Chapter 13 Bankruptcy case might work for you, and what a case for you might look like.

Bankruptcy Debt Relief (Chapter 7 & Chapter 13)

Bankruptcy is a legal proceeding in which a person who cannot pay his or her bills can get a fresh financial start. The right to file for bankruptcy is provided by federal law, and all bankruptcy cases are handled in federal court. Filing bankruptcy immediately stops all of your creditors from seeking to collect debts from you, at least until your debts are sorted out according to the law.

Bankruptcy may make it possible for you to:

– Eliminate the legal obligation to pay most or all of your debts. This is called a “discharge” of debts. It is designed to give you a fresh financial start.

– Stop foreclosure on your house or mobile home and allow you an opportunity to catch up on missed payments. (Bankruptcy does not, however, automatically eliminate mortgages and other liens on your property without payment.)

– Prevent repossession of a car or other property, or force the creditor to return property even after it has been repossessed.

– Stop wage garnishment, debt collection harassment, and similar creditor actions to collect a debt.

– Restore or prevent termination of utility service.

– Allow you to challenge the claims of creditors who have committed fraud or who are otherwise trying to collect more than you really owe.

Our office has helped many people, both consumers and businesses, to successfully navigate the bankruptcy world and get that fresh start they needed. In most cases, we offer an in-person evaluation at no cost to you that will help you understand your options and give you a really good idea of exactly what your case would look like. It is common for our clients to comment about how they never felt lost or out of control during their case.

Call us today at 714-795-2346 to set up a free evaluation.

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