Chapter 11 bankruptcy is usually used by financially struggling businesses, not individuals. Chapter 7 bankruptcy most often pertains to individuals with little to no disposable income. Chapter 7 bankruptcy is commonly referred to as a liquidation bankruptcy whereas Chapter 13 bankruptcy is often referred to as a reorganization bankruptcy. Individuals who have a regular income or make more than a certain threshold may only be eligible to file for Chapter 13 bankruptcy. Can I discharge all my debts through bankruptcy? While many debts are dischargeable through bankruptcy, there are specific debts and obligations which you will still be responsible for. These include, but are not limited to, child support and alimony payments, student loans, criminal restitution, debts for personal injury/death resulting from a DUI/DWI, and certain taxes. How a debt is discharged will differ depending on whether you file for Chapter 7 or Chapter 13 bankruptcy. An experienced bankruptcy attorney can help you review which of your debts are dischargeable through the bankruptcy process.
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We also now have an office in Oxnard, California for your legal service needs. Meet Brent George GREAT REVIEWS FROM OUR CLIENTS Great lawyer! Very knowledgable, ethical, and honest. Explained things very well and treated us with respect. He was always friendly and made us feel comfortable through this difficult situation. I recommend Brent not only as a professional, but also as a person who understand what the client is going through. – Greg J. Thank you Brent and Andrea for your patience and your guidance. You really helped me to get through a very difficult period of my life. I know why your clients think so much of you. You treated me with respect and dignity and I really am thankful I found you. – Lisa A. PRACTICE AREAS Bankruptcy If you are straddled with debt or have creditors harassing you, do not despair! You have options available to you. These may include Chapter 7 or Chapter 13 bankruptcy, or debt reduction accomplished through negotiations with creditors. Brent George Law, bankruptcy attorney Ventura County, will lay out the options for you.
If you choose to do so, you can keep your house and vehicle. If you prefer to "undo" a bad deal, you can surrender your car or house and walk away from the debt and tax consequences. Most people keep all their assets when they file Chapter 7. Chapter 7 can help you rebuild your credit by wiping out your debts and turning you into a "debt free" person. CHAPTER 13 BANKRUPTCY In Chapter 13 bankruptcy, you work out a payment plan with your creditors. The plan is based on your ability to pay (among other factors). It allows you to avoid foreclosure or car repossession while catching up on payments. You can make manageable payments on tax debts and student loans. Some people are eligible to "stretch out" secured debt payments (like car payments) over a longer period of time, making these payments more affordable. (available only in Ch 13. ) Some people can "strip off" unsecured junior mortgages on their houses (available only in Ch 13. ) At the end of your payment period, many "leftover" unsecured debts are eliminated.
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We are located at: 500 E. Esplanade Drive on the third floor at Suite 360. Here we created a professional; yet friendly work environment for our employees, and clients as well. For driving directions, click on the map below. If you have any question, don't hesitate to give us a call at: 805. 485. 0001 Contact Information 500 E. Esplanade Drive Suite 360 Oxnard, CA 93036 Tel: 805. 0001 Fax: 805. 4065 Click here for drving directions Se habla Español Nuestra Oficina es Bilingüe. Lláme la Officina para programar una consulta 485-0001. LEGAL TROUBLES? WE CAN HELP! Personal Injury Family or Financial Difficulties Criminal or Civil Cases Guardianship or Wills Call Martha at (805) 485-0001 to schedule a consult. THINK YOU CAN'T AFFORD AN ATTORNEY? NO PROBLEM - Payment Plans are available
Helping Clients Get Back on Their Feet from Our Offices in Encino & Ventura Bankruptcy is the legal process by which a person who can no longer pay their bills and loans gains a fresh financial start. Federal law grants all United States citizens the right to file for bankruptcy and all cases are handled by the federal court. For these reasons, you need a bankruptcy attorney who is well-versed in all aspects of the law and can skillfully prepare you for the proceedings ahead. At Zahn Law Office, our Ventura bankruptcy lawyers can help you regain sound financial footing by first filing for bankruptcy to eliminate the debts that are currently holding you back. We work exclusively with Chapter 7 bankruptcies To schedule an appointment, contact us online or call our firm today at (805) 804-9100! When you file for bankruptcy, you may be able to: Eliminate all legal obligations to your debts Halt foreclosure and catch up on missed payments Prevent repossession of property Halt wage garnishment, debt collection harassment, and other creditor actions Chapter 7 Bankruptcy There are 4 different types of bankruptcy you can file in California, and our attorneys can help you discover which would be best for your situation.
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KAREN L WARE 1500 Palma Drive, Second Floor, Ventura, CA 93003 Directions Since 2010 Here's The Deal: " Her practice emphasizes the importance of explaining all options to clients, and the relative advantages and disadvantages of each approach. Provides bankruptcy and set up payment plans for other taxes, solve student loan repayment problems and solve other credit and debt problems.
Unfortunately, bad times do come, even to people who have good financial discipline and there are many reasons why you may be in a serious financial crisis. Regardless of the reason, the important thing to remember is that you are not alone in your struggle with bankruptcy. There are other people out there, just like you who are going through bankruptcies. And it's not your past that defines you. The days ahead will determine who you are as a person. HOW DO I KNOW IF I NEED TO FILE A CHAPTER OR A CHAPTER 13 BANKRUPTCY? FIND OUT HOW! Creditor Harassment Foreclosure Repossession IRS Collections Wage Garnishment Lawsuits And More Frequently Asked Questions: Bankruptcy Attorney Ventura I am an experienced bankruptcy attorney Ventura county and have years of experience representing people just like you who have experienced financial turmoil due to illness, job loss, or just plain bad financial planning. I understand that making a call to someone like myself is the hardest step. But getting a better understanding of your financial situation will be invaluable to your bankruptcy case.
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Your unsecured debts, such as credit cards and medical expenses, are dischargeable. Chapter 13 Reorganization If your disposable income is too high, or if you wish to continue operating your small business, or you face foreclosure of your home, then a Chapter 13 is an option. You must have a steady income, though, so that your debts, to some degree, are paid within either a 3 or 5 year plan. There are limits to the amount of secured and unsecured debt you have. Consult with your attorney if your debt is unusually high. The length of your repayment plan depends on your income. If it exceeds the state's median, your plan will likely be 5 years. A chapter 13 can save your home from foreclosure provided you can make your regular monthly mortgage payments while repaying your arrearages over the life of the plan. Any second mortgage would be discharged at the termination of the plan if all is otherwise successful. Further, you can have past due taxes, student loans and child support payments paid off within the plan as well.
