Consumers want to know if they are better off hiring a bankruptcy attorney to file bankruptcy 7 or getting into debt settlement. Of coarse bankruptcy attorneys are going to favor bankruptcy 7 unless they offer debt settlement as well. The bankruptcy attorneys at the Zhou & Chini provide debt settlement to clients who may not be a good candidate for bankruptcy 7. Let’s say you meet with a bankruptcy lawyer and it’s determined that you do not qualify under the “means test” and you are on a 100% repayment plan. If the bankruptcy lawyer offers debt settlement in addition to bankruptcy 7 and 13 then he can work with you in developing the best coarse of action rather than forcing you into a 100% repayment plan. Debt settlement will typically allow you to repay at 35% to 50% of your debts while bankruptcy 7 will allow them to be completely eliminated, if you qualify. If your bankruptcy lawyer does not offer debt settlement and you do not qualify for bankruptcy 7, the chances of him referring to you to bankruptcy attorneys who do offer debt settlement are slim to none. The bankruptcy attorneys who do more than just file bankruptcy 7 or slap you into a debt settlement program are the way to go if you are struggling financially. Finding the right bankruptcy attorney is easier than you think if you ask the right questions and do your research.

When searching for a bankruptcy lawyer ask them if they also offer debt settlement if you don’t qualify for bankruptcy 7. If they do then make certain their fees are not more than 15% of the debt you are trying to eliminate. Also consider if your bankruptcy attorneys tell you you qualify for a bankruptcy 7 the fees should be between $1500.00 and $4000.00, depending on how complicated your case is. Most bankruptcy attorneys who focus only on bankruptcy 7 don’t like to do chapter 13 bankruptcy or offer debt settlement, so locate a bankruptcy attorney who offers chapter 13 as well. If your bankruptcy attorney offers a free consultation then make sure to ask the right questions about bankruptcy 7 versus debt settlement. The bankruptcy attorneys at the Law Offices of Zhou & Chini offer FREE consultations and handle bankruptcy 7, chapter 13 and debt settlement. When you call our law office you will consult directly with a bankruptcy attorney and can be assured we do not only file bankruptcy 7, we also can help with debt settlement or a chapter 13 repayment plan. Zhou & Chini bankruptcy attorneys meet personally with clients and have over 10 California locations to serve you. Call us today to see if you can qualify for bankruptcy 7 or if debt settlement is a better option. Our bankruptcy attorneys will be happy to explain all your options.

The Bankruptcy Attorneys at the Law Offices of Zhou & Chini offer free bankruptcy information in an effort to help consumers who need debt relief or help avoiding foreclosure. If you have additional bankruptcy questions or need information about filing bankruptcy in California please contact our cooperate office at (888) 901.3440 or visit www.BankruptcyAttorneyinCalifornia.com. Our Bankruptcy Attorneys will be happy to offer you a FREE consultation over the phone or at one of our convenient locations. We are California bankruptcy attorneys with full knowledge of Federal and California State Bankruptcy Exemptions. Our Bankruptcy Attorneys can help protect your assets under Federal Bankruptcy Laws and can assist you with all aspects of your case. We are happy to answer questions about filing a chapter 7, chapter 13, chapter 12, chapter 20, or chapter 11 business bankruptcies. We can help with stopping /avoiding foreclosure or wage garnishments, and assist you in avoiding judgments, liens or levies. We can also help with mortgage cram downs, lien stripping, eliminating a 2nd mortgage and discharging debt. Please feel free to complete our free bankruptcy evaluation form or contact one of our office locations today. We are here to help and can quickly determine if you are a qualified candidate for bankruptcy.