San Diego Bankruptcy Attorney

1. RESTORE YOUR FINANCIAL INDEPENDENCE WITH OUR EXPERIENCED TEAM OF BANKRUPTCY ATTORNEYS 1

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3. As Southern California’s leading bankruptcy law firm, the BLC Law Center also helps protect our clients from creditor harassment and help them better understand their rights. We are a legal team for the people and as such, we strive to provide a higher level of service and support for our clients; you have our word on it. 3

4. Certain guidelines have been put in place that creditors must adhere of experienced attorney’s regulations and can offer real world legal advice that will help take away the stress and anxiety of the debt collector. to and understand our team these 4

5. San Diego Bankruptcy Attorney We offer a free, no-obligation consultation and provide our clients with a detailed analysis explaining, in plain terms, their situation and decide on a course of action.When you file for Chapter 7 bankruptcy, you are taking a positive step toward restoring your financial independence. 5

6. Whether your rights have been infringed upon or you are looking for a more effective way to manage your debt, the Bankruptcy Law Center will meet with you to discuss your legal options and talk to you about your rights. 6

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8. Our Services We serve the entire Southern California area and in doing so, we have built a solid reputation as a legal team that will fight for your rights. No matter what your situation, there is always a way out and our team will explain to you your options and show you the light at the end of the tunnel. 8

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10. Creditors are getting more and more brazen in their attempts to collect debts and when they go too far, the Bankruptcy Law Center will be here for you. We realize that finding the right attorney can be difficult and our team of legal professionals will make that decision easier for you; contact us today and see what the Bankruptcy Law Center can do for you. 10

11. At the Bankruptcy Law Center, we are committed to helping you through this often daunting process, empowering you to exercise your rights and become free of the debts that are weighing you down. We recognize that the decision to file may be a source of concern for you, so we demystify the law and help you find a viable solution to your financial challenges. 11

12. San Diego Bankruptcy Attorney Chapter 7, sometimes called “straightbankruptcy,” is the most common form of bankruptcy in the United States. For most people, Chapter 7 bankruptcy eliminates all debts and allows you to keep your possessions and property. 12

13. Chapter 7 bankruptcy typically results in the “discharge” of your debts about 3 months after you file a petition. As part of the process, we determine your eligibility to file (called the “meanstest”) and we show you how bankruptcy will change your life by discharging your debts. 13

14. Your bankruptcy case will get rid of your personal liability on most all debts, including credit card debt, medical bills, utility bills, personal loans, lawsuits, mortgages and underwater liens on property. Of course there are some limited types of debts that are not eliminated in a Chapter 7 bankruptcy. These are called “exceptions” to your discharge and they are spelled out in the law. 14

15. These limited exceptions include alimony and child support, some types of tax debts, debts incurred dishonestly or that resulted from criminal penalties and most government insured student loans. Chapter 7 bankruptcy also provides generous “exemptions” that allow most people to keep all of their property. 15

16. The rules for exemptions also require, in many cases, some planning before you file a bankruptcy case, so consulting with the Bankruptcy Law Center will start the process that will answer all your questions about what happens to your property. Bankruptcy Law Center attorneys are highly experienced at using the bankruptcy laws pro-actively improve your financial standing and to protect your property. 16

17. Other than these situations, Chapter 7 bankruptcy will not generally eliminate liens on your property and these liens will pass through bankruptcy unaffected by the case. 17

18. San Diego Bankruptcy Attorney You won’t have personal liability for the debts underlying most all of these liens after bankruptcy, but the lien or mortgage holder will eventually be allowed to take back the liened property unless you pay the amounts legally due. 18

19. Chapter 13 bankruptcy is a “reorganization” of your debts and is designed for people that have regular income but need time to pay back certain kinds of debts (like defaulted home mortgages). It can best be defined as a restructuring and consolidating of debts into a more manageable plan for repayment. 19

20. Chapter 13 recognizes that some debts can’t be paid back in full, but it gives most people an opportunity to pay what they can afford, above living expenses, over a 3 to 5 year period. At the end of the approved reorganization, the balance of unpaid debts generally will be discharged and you will be free of your obligations. 20

21. San Diego Bankruptcy Attorney At the Bankruptcy Law Center, we are happy to work with you to determine if a reorganization is the best way for you to eliminate and deal with your debts. Some of our attorneys used to work for the Chapter 13 trustee and they know exactly what works and how to get your plan approved by the Court. 21

22. Of course, we will look at the debts you owe and advise you as to which form of bankruptcy filing is appropriate. If Chapter 13 is a viable resolution to your current challenges, we will aid you in forming a repayment plan that best suits your current income situation. 22

23. After we formulate a plan that works for you, we file it with the court. It is reviewed by the Chapter 13 trustee and the court decides plan is fair and meets all the requirements of the law. If so, the courts will approve and oversee the plan, ensuring that your creditors are paid while you are able to handle the monthly payments more easily. 23

24. In most cases, your repayment must start within 30 to 45 days of filing your case, and the overall plan typically lasts three to five years. So why would you choose Chapter 13 over Chapter 7 when Chapter 7 quickly gets you a discharge of your debts? 24

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