Southern California Chapter 7 Bankruptcy Lawyer
At the Law Offices of VIc Rodriguez we help clients file for Chapter 7 bankruptcy protection. Sometimes referred to as a “total debt liquidation bankruptcy,” Chapter 7 bankruptcy has generally been the bankruptcy used by people who have few assets, but who carry a large amount of unsecured debt.
Get a Fresh Start
Chapter 7 bankruptcy gives people a fresh start. It is a bankruptcy used to completely wipe out most debts in a legal proceeding conducted under the jurisdiction of the Federal U.S. Bankruptcy Court. Chapter 7 bankruptcy discharges debts such as credit card debt, medical bills, personal loans, delinquent utility bills, old tax debt, and deficiencies on repossessed vehicles. Under Chapter 7 bankruptcy, you will never have to pay your creditors for these types of debts. However, there are several types of debts that cannot be discharged by filing for Chapter 7. Child support, recent tax debt, student loans, and certain types of court-ordered damage awards are not dischargeable with bankruptcy.
Most of our clients are able to keep their property when they file for Chapter 7 bankruptcy. However, it is important to be current on vehicle and/or house payments if you want to file a Chapter 7 and keep your property.
Stop Creditor Harrassment
If you are tired of receiving harassing phone calls from your creditors, you may feel relieved to know that as soon as your Chapter 7 has been filed, your creditors are prohibited by law from calling you. You may refer any calls you still receive to our office, and we will talk to your creditors for you.
Do You Qualify For Chapter 7 Bankruptcy in California?
When you do not have a sufficiently high or regular income to enable you to pay off debts, a straight liquidation bankruptcy under Chapter 7 may be the best choice for you. Chapter 7 does provide you the opportunity to avoid almost all of your debts without making any payments on those debts. It also prevents further collection efforts by your creditors. Call us today to see if you qualify.