San Diego Chapter 7 Bankruptcy Attorney

Eliminate Your Debts and Get a New Start in Life

Chapter 7 is the most common type of bankruptcy filed in the United States and can often be completed in about 3 to 4 months with the help of a skilled legal professional. Individuals who have lost a job or gone through unexpected financial difficulties can find relief from overwhelming debt when they file for a Chapter 7 bankruptcy. If you are struggling to pay off your debts, you must keep in mind that you are not alone. Hundreds of thousands of people who are in your position have found the debt relief that they need through Chapter 7 bankruptcy each and every year, and we are here to help you.

A 5-minute phone call with us is typically all that is needed for you to get informed about whether bankruptcy is a smart decision.

Call now. You’ll be glad you did.

While we have a lot of useful information about bankruptcy on our site, and you are certainly welcome to browse around, we have found that the easiest way to find out if bankruptcy is right for you is to make a quick phone call to us. You will speak with an experienced bankruptcy attorney who will be able to quickly determine if bankruptcy makes sense for you. Every situation is unique and only an experienced bankruptcy attorney can provide the information you need to make an informed decision.

Chapter 7 Bankruptcy Process

In order to begin the Chapter 7 bankruptcy process, you must complete a bankruptcy petition and several bankruptcy schedules that outline your financial situation. These schedules must disclose financial records that show all your current income, assets, debts, and other liabilities. Immediately upon filing your case with the court, the court will issue an automatic "stay" which stops all of your creditors or collection agencies from contacting you any further. The creditors are prohibited from even attempting to collect a debt once your case has been filed. Often times, this is a huge relief for debtors because they have been under intense pressure and harassment from their creditors. Creditor harassment can come in many forms, and you may have creditors calling your phone at all hours of the day or visiting your workplace. We understand the intense pressure and constant stress that comes with falling behind on your bills, and we are here to help you today. Ending the collection calls and creditor harassment is just the first of many reliefs that Chapter 7 bankruptcy protection will bring you.

To find how Chapter 7 bankruptcy could help you,
call and speak with a knowledgeable
San Diego bankruptcy lawyer at San Diego Legal Pros.

Meet with a Skilled Bankruptcy Lawyer

When you come to our offices and meet with one of our skilled bankruptcy lawyers, we will begin by answering your questions and then reviewing your financial situation. Bankruptcy isn't for everyone and there are alternate methods of debt relief if it is determined that bankruptcy isn't the best choice for you. Chapter 7 is the most common type of bankruptcy and helps when an individual has few assets besides their home, vehicle, and personal possessions. Most people are able to keep all of their assets while all their credit cards, medical bills, and other unsecured debts are discharged (cancelled) by the court. This allows them a fresh start in life, debt free.

There are certain types of debts, such as child support, alimony, school loans, and certain taxes, that cannot be included in your settlement. When you go through the Chapter 7 bankruptcy process, you will also be required to attend an approved credit counseling program to help you learn how to handle your finances and budget more wisely once your bankruptcy is complete.

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