California Bankruptcy Information
California Bankruptcy Information | Chapter 7 Bankruptcy
Are you having trouble paying your bills? Are you feeling overwhelming pressure from creditors because you cannot pay? Are you behind on payments for credit cards, medical procedures, or personal loans? California Bankruptcy Information explains the ways a Chapter 7 Bankruptcy can wipe out your debts to give you a fresh financial start. We work with a highly experienced bankruptcy attorney who takes care of the details while guiding you toward financial freedom in the quickest, most cost-effective manner possible.
 
Contact our bankruptcy law firm at (951) 677-8064 for a free, initial consultation. During this comprehensive meeting, our California bankruptcy lawyer will answer your questions and discuss your financial situation in order to help determine your legal objectives. You will receive skilled advice on the pros and cons of filing a Chapter 7 Bankruptcy to ensure it will be in your best interests.
Qualify for Chapter 7 Bankruptcy in California
Chapter 7 Bankruptcy is also called Fresh Start Bankruptcy, Liquidation Bankruptcy, Consumer Bankruptcy, and Personal Bankruptcy because this debt relief option essentially removes qualifying debt and allows the individual to start again. Chapter 7 Bankruptcy is the most advantageous for people who have a high amount of unsecured debt and very few assets.
 
Before filing for Chapter 7 Bankruptcy relief in California, you must qualify by completing a “means test” to determine if your income and family size make you eligible to file a Chapter 7 Bankruptcy. Our bankruptcy lawyer thoroughly examines your financial picture, including all sources of income, debt, and possessions in order to determine your best course of action.

If it is found that Chapter 7 Bankruptcy is not a viable option, you may be a candidate for Chapter 13 Bankruptcy. In some cases, a business may qualify for Chapter 7 Bankruptcy. Immediately after the Chapter 7 Bankruptcy petition is filed, the business must stop all operations
Chapter 7 Bankruptcy Attorney Representation
If it is determined that filing for Chapter 7 Bankruptcy would benefit your situation, our California bankruptcy lawyer will immediately begin the process of filing your bankruptcy petition. Once you file Chapter 7 Bankruptcy, all decisions concerning your finances and assets will be made by the bankruptcy court. The court will appoint a trustee who has the responsibility of liquidating your non-exempt property and assets to pay your creditors. Our bankruptcy attorney has extensive experience handling Chapter 7 Bankruptcy cases, and will personally work with you to ensure you understand your rights.

Several weeks after your initial filing, the bankruptcy trustee will hold a meeting with you and all of your creditors. Our Chapter 7 Bankruptcy lawyer provides personal representation for clients at all hearings, including the creditors meeting.
Bankruptcy Exemptions and Non-Dischargeable Debts
Bankruptcy exemptions in California identify the type of assets and property an individual can legally keep after filing for Chapter 7 Bankruptcy. Our skilled bankruptcy lawyer works efficiently to ensure that some home equity, your car, some jewelry, clothing, household items, and retirement funds are protected.
 
Chapter 7 Bankruptcy wipes out most types of unsecured debt such as credit cards and medical bills. However, the bankruptcy court will not discharge certain types of debt, including tax debts, student loans, child support obligations, and debts in which a creditor objects to discharging.

In certain situations, a “reaffirmation agreement” is necessary when an individual wishes to continue paying a debt. We provide legal representation at the reaffirmation hearing to uphold your rights and ensure the proceedings are in your best interests.
If your paycheck is being garnished, the creditor must terminate the garnishment order. Our experienced California Chapter 7 Bankruptcy lawyer will work quickly to stop the wage garnishment so you will once again receive a full paycheck.
Relief from Creditor Harassment
Upon filing your bankruptcy petition, we will immediately contact your creditors to notify them of your bankruptcy status. From this point forward, a creditor cannot legally contact you in any way to seek payment. You do not have to worry about annoying calls from debt collectors or collection agencies! 
Contact our Skilled Chapter 7 Bankruptcy Attorney Today
We have helped thousands of clients get on the path to financial freedom, and we are prepared to assist with your legal issues by exploring the options best suited to your situation.
 
To arrange for your complimentary consultation with our California bankruptcy attorney, call [insert phone number]. Our team of bankruptcy professionals responds quickly to client calls and emails, and we keep clients consistently informed as developments occur in their case.

We are proud to provide Chapter 7 California Bankruptcy Information, and we look forward to helping you get a fresh start today!
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