Chapter 7 & 13 Representation in Redding, California
In these difficult times, it has become easier than ever to fall behind on our financial obligations. Contrary to popular belief, not everyone who files for bankruptcy has maxed out their credit cards. Many things lead to bankruptcy, including divorce, injury, and illness. Through bankruptcy, you can reduce or even eliminate your debt.
Get the fresh start you need. We can give you the tools you need to end your struggle with debt. Contact our office by e-mail, locally at 530-410-0603 or toll-free at 866-958-6890 to schedule a consultation.
Stop Creditor Harassment, Foreclosure, and Garnishments
Bankruptcy is the federal government's way of giving a consumer debtor a second chance, a fresh start. Bankruptcy may be the best way to keep debt from controlling you. Whether you qualify for Chapter 7 liquidation bankruptcy or the Chapter 13 restructuring process, we can help.
Chapter 7: eliminates unsecured debt, including credit cards and medical bills. Certain exemptions are available through Chapter 7 bankruptcy, which allow you to keep some assets. While most unsecured debt can be discharged through Chapter 7 bankruptcy, student loans and taxes cannot be discharged in most cases. Your lawyer can determine whether you qualify for Chapter 7.
Chapter 13: this is a debt reorganization and payment plan which lasts between 3 to 5 years. Individuals who have recently filed for Chapter 7 or are not eligible for Chapter 7 may still be eligible for a Chapter 13. Chapter 13 is designed to allow individuals with high asset value and income to restructure payments, eliminate interest, and pay down their debt over the 3-5 year period. Chapter 13 may prevent home foreclosure and allow you to keep other secured assets, such as boats and automobiles.
End Your Struggle with Debt
Filing for either Chapter 7 or Chapter 13 bankruptcy is your right. Through the fresh start that bankruptcy can provide, you can put an end to creditor harassment, wage garnishments, debt collection lawsuits, home foreclosure, and repossession. Contact our office today to speak to a consumer bankruptcy attorney who will give you options.