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Calabasas Bankruptcy Information Center
Bankrupcty Overview
Bankruptcy Myths
Is Bankruptcy Right for Me?
Chapter 7
Chapter 13
Debt Relief
Foreclosure
Life After Bankruptcy
Areas We Serve

Bankruptcy Overview

There are many reasons one may have to file bankruptcy. Loss of employment, medical bills, divorce, and credit card obligations are but a few. Regardless of what brought you to this point, a lawyer at our firm can guide you through the bankruptcy filing process efficiently and compassionately. We pride ourselves on our personal attention; you will be in contact with an experienced bankruptcy attorney throughout the entire process.

Types of Bankruptcy Cases

Bankruptcy is a legal procedure which permits you to discharge your debts when you are in a state of financial distress where you cannot pay them in a timely manner. The purpose for filing bankruptcy is to give you a fresh start and to pay your creditors whatever is possible from the property and income which is part of your bankruptcy estate. You generally get to keep most of your property because of exemptions or because its value is less than what it would cost to sell it. At our firm we provide legal help in the following practice areas:

Bankruptcy Myths
People often believe the bankruptcy will only ruin their credit and cause them to lose absolutely everything they have. These misconceptions are not entirely true and there are actually many benefits to filing. Having a legal representative who is educated in bankruptcy cases will help tremendously in wading through the myths.

Is Bankruptcy Right for Me?
There may be certain doubts that you have in considering bankruptcy, but an experienced attorney can help. They can determine your best option to deal with your debt, whether that be bankruptcy or a completely different alternative.

Chapter 7
This type of bankruptcy is generally filed by individuals with an income that is at or below the state's median level and is a liquidation of any assets which are not exempt.

Chapter 13
For those whose income exceeds the state median level or who wish to keep certain property, this type of bankruptcy is for them. This type of filing allows these individuals to repay at least part of their debts over a period of 3 to 5 years.

Debt Relief
It may seem impossible to experience relief from your debt, but with the help of an experienced attorney there are options to consider. Whether it means bankruptcy or debt negotiation, our firm is highly knowledgeable.

Foreclosure
When you are in danger of foreclosing on your home, it can be extremely stressful and scary. By looking at filing a Chapter 13 bankruptcy petition, it may be possible to obtain a repayment plan for your creditor that works with your income situation.

Life After Bankruptcy
After filing for bankruptcy, you don't have to be scared that your life will be greatly inhibited or ruined. Once your debts have been discharged, it is possible for you to obtain a secured credit card in order to steadily rebuild your credit.

Assistance with the Complex Process

The Bankruptcy Abuse and Consumer Protection Act (BACPA) went into effect in late 2005. With it came many sweeping changes to the bankruptcy laws that unfortunately came at the request of the banking and lending industries. Not surprisingly, therefore, the crux of this law was to make filing bankruptcy more difficult. It is certainly still possible, however, though it is that much more important to have an attorney handling your case who is well-versed in the process, laws, and court procedure.

Our firm has been providing this type of experienced counsel for clients throughout Calabasas, Thousand Oaks, Agoura Hills, Westlake Village, Moorpark, Woodland Hills, Simi Valley, the Ventura County and the surrounding California areas for decades with thousands of filings under our belts.

 

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4764 Park Granada, Suite 206, Calabasas, CA 91302