Chapter 7 Bankruptcy
California Credit Card Debt Attorney
Are you sick of being harassed by creditors and collections agencies as you struggle with debt? Tired of facing the threat of wage garnishment and repossession? If so, filing for Chapter 7 bankruptcy may be the best option you have for eliminating your debt and getting the fresh start you need. In exploring your options, you can benefit greatly from discussing your case with an experienced bankruptcy attorney.
Contact a Petaluma Chapter 7 Bankruptcy Lawyer
How Does Chapter 7 Work?
Also known as liquidation bankruptcy, Chapter 7 bankruptcy allows consumers to eliminate debt while keeping assets depending on their value and the total value of your exemptions, which is something I will go over with you after reviewing your case. Debts that can be discharged through Chapter 7 include credit card debt and medical bills. This process typically takes 90-120 days from filing to discharge.
Prior to filing you will need to complete a mandatory counseling course and after filing you will need to complete a mandatory financial management course. Both courses can be done either online or over the phone. I will suggest and direct you where to go to complete these mandatory courses to make the bankruptcy process go smoother for you.
During our free consultation, I will discuss with you the various types of debts that are dischargeable, what debts you may wish to affirm and which of your assets you will be able to exempt from the liquidation.
What Happens After Chapter 7?
After your discharge, you will have the opportunity to begin rebuilding your credit. It will be important to make good financial decisions and pay all bills on time. For more information, visit the Life After Bankruptcy page.
I look forward to helping you find the debt relief you need. Contact me online or call 707-658-4602 today to arrange a free initial consultation.
I am a debt relief attorney. I help people file for bankruptcy relief under the Bankruptcy Code.